nonbank.io

What nonbank.io does

NonBank, operated by Onicore Inc. (a California-domiciled private corporation), provides a non-custodial mobile wallet application that unifies cryptocurrency wallets, hardware wallets, crypto exchanges, and traditional bank accounts in a single interface. The platform is built on a multi-blockchain architecture supporting TRON, EVM-compatible networks, and Solana, with users retaining custody of private keys and signing transactions independently. Differentiated features include an AML Watchtower that screens transactions against sanctioned wallets prior to execution, NonID (a customizable DeFi identity NFT), Non-fees (in-app credits for gasless transactions on supported chains), Shared Spaces for collaborative asset management, and Nons (an internal engagement reward token). The product is distributed globally through the Apple App Store and Google Play via a self-serve, product-led growth model, with QR-code onboarding and active community channels on Discord, Telegram, and X.com.

NonBank monetizes entirely through transaction-based fees rather than subscriptions or licensing. Revenue streams include in-app Non-fees credit purchases (via Google Pay and Apple Pay), DEX swap facilitation through third-party providers, staking referrals for proof-of-stake networks, and fees on fiat-to-crypto card purchases via third-party conversion services. The customer base is entirely retail and horizontally segmented, spanning crypto-native holders, self-custody enthusiasts using hardware wallets, and Web2/Web3 crossover users managing both fiat and digital assets. The company has scaled to 100+ team members and operates with a quarterly product cadence from its Q1 2024 TRON wallet launch through a planned Q1 2026 NON×CARD launch, supported by ISO 27001 certification and ongoing third-party penetration testing.

Name

nonbank.io

Legal name

Onicore Inc.

Website

https://nonbank.io

Company type

Private

Operating status

Operating

Short description

NonBank is a non-custodial mobile wallet that unifies multi-chain crypto wallets, hardware wallets, exchanges, and bank accounts in one app, serving retail crypto-native and Web2/Web3 crossover consumers via transaction-fee monetization.

Ownership category

akta.pro rank

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Non-fees Sales: Users purchase 'Non-fees' credits within the app via Google Pay and Apple Pay in-app purchases to cover blockchain transaction fees on Tron, EVM, and Solana. Non-fees are consumed per transaction and cannot be withdrawn, exchanged, or transferred outside the app.
2. DEX Trading/Swapping: Revenue generated from swap/trade operations of digital assets through in-app functionality powered by third-party service providers.
3. Staking Services: Third-party staking services allow users to stake digital assets in proof-of-stake networks through the app, with NonBank facilitating access to these services.
4. Digital Asset Purchase via Card: Users can purchase digital assets using credit or debit cards through a third-party conversion service facilitated in-app, generating revenue through third-party fees.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

NonBank is a mobile-first, non-custodial multi-chain wallet app that lets individual users connect, manage, and transfer assets across non-custodial wallets (12+ blockchains), hardware wallets, crypto exchanges, and bank accounts from a single interface. It layers in proprietary features including an AML Watchtower for automated transaction screening, NonID DeFi identity NFTs, gas-free transactions via Non-fees credits, and collaborative Shared Spaces. Revenue is generated from in-app transaction fees, Non-fees credit sales, third-party DEX swap commissions, staking services, and card-based digital asset purchases.

Product overview

Nonbank is a single unified financial management platform that combines crypto and traditional banking in one app. The core product is the Nonbank App, a multi-chain non-custodial wallet supporting Tron, EVM, and Solana networks that integrates with banks, hardware wallets, and crypto exchanges. Key supporting products include NonID (a DeFi identity NFT system), Non-Fees (in-app tokens for covering blockchain transaction fees), and Nons (internal reward coins). Additional features include Shared Spaces for collaborative asset management, Tasks & Rewards gamification, and the NON×HACKATHON developer community event. Users can purchase Non-fees via Google Pay and Apple Pay, connect hardware wallets for enhanced security, and access DEX swaps through third-party integrations.

Differentiator

Problem solved

Functional benefit

Brands

• NON ID: A unique DeFi identity that enhances the Nonbank wallet experience, allowing users to customize their accounts with various traits and offering exclusive rewards, trading perks, and NFT minting capabilities.
• NON×CARD
• Nons

Products and services

• NonBank Mobile App Core non-custodial multi-blockchain mobile wallet application that lets individual users connect, manage, and transfer assets across non-custodial wallets (12+ blockchains including TRON, EVM, Solana), hardware wallets, crypto exchanges, and bank accounts in one app, with built-in AML Watchtower, NonID identity, and Non-fees gas credits.
• NonID (DeFi Identity NFT) A unique DeFi identity NFT product tied to the NonBank app that lets users customize their account appearance with up to five traits, mint the identity as an NFT, and unlock exclusive rewards, trading perks, and partner bonuses within the NonBank ecosystem.
• Non-Fees (Gas Credits) In-app token/credit purchased via Google Pay or Apple Pay that covers blockchain transaction fees on Tron, EVM, and Solana networks, enabling gas-free transfers within the NonBank app.
• Nons (Internal Reward Coin) Internal coin unique to NonBank, earned by users through active engagement in the app or by completing tasks, providing additional in-app benefits to holders.
• NON×HACKATHON (Developer Event) A $100,000-prize hackathon organized by NonBank with jury members from leading Web3 organizations, designed to drive developer engagement and brand awareness around the NonBank platform.

Quantifiable outcome

• Automated AML monitoring of all transactions against sanctioned wallets and suspicious entities, ensuring funds are not frozen due to inadvertent compliance violations
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature11 records

Partnerships

Nine partnerships are on record, tiered core.

• GooglecoreTechnology or IntegrationGoogle OAuth authentication integrated into NonBank's sign-up flow, enabling users to sign in via Google and use Google account data for KYC verification. Once KYC is passed via Google, users gain access across all NonBank accounts.
• ApplecoreTechnology or IntegrationApple Sign-In and Apple Pay integrated into NonBank. Apple Sign-In provides OAuth authentication. Apple Pay enables in-app purchases of Non-fees to cover blockchain transaction fees.
• TRONcoreTechnology or IntegrationTRON blockchain is the initially supported network for NonBank's non-custodial wallet. The platform was positioned as 'the most convenient Tron wallet' in Q1 2024.
• Ethereum (EVM Chains)coreTechnology or IntegrationEVM (Ethereum Virtual Machine) compatibility enables NonBank to support Ethereum and other EVM-compatible blockchain networks for non-custodial wallet functionality.
• SolanacoreTechnology or IntegrationSolana blockchain network supported by NonBank for non-custodial wallet functionality and Non-fees gas coverage.
• Google PaycoreTechnology or IntegrationGoogle Pay integrated for in-app purchase of Non-fees credits to cover blockchain transaction fees on Tron, EVM, and Solana networks.
• Apple PaycoreTechnology or IntegrationApple Pay integrated for in-app purchase of Non-fees credits to cover blockchain transaction fees on Tron, EVM, and Solana networks.
• Hardware Wallet Manufacturers (Ledger, Trezor, etc.)coreTechnology or IntegrationNonBank supports connecting hardware wallets to user accounts for offline private key storage and enhanced security. Users can connect hardware wallets to their NonBank account for additional protection against online threats.
• Decentralized Exchanges (DEXs) / Third-Party Swap ProviderscoreTechnology or IntegrationIn-app swap/trade functionality powered by third-party service providers, allowing users to exchange digital assets through integrated DEX access within the NonBank mobile application.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MetaMask (Consensys): MetaMask is the leading non-custodial multi-chain wallet (EVM and Solana) with portfolio, swap and staking features — the closest direct competitor to NonBank's core non-custodial, multi-chain wallet value proposition.
• Trust Wallet (Binance): Trust Wallet is a multi-chain mobile non-custodial wallet with in-app DEX swaps, staking and a built-in browser — directly comparable to NonBank's mobile-first multi-chain wallet with integrated swaps and staking.
• Phantom Wallet: Phantom is a multi-chain non-custodial wallet (Solana, EVM, Bitcoin) offering swaps, staking and portfolio analytics — directly comparable in target user, multi-chain stance and mobile-first design to NonBank.
• Coinbase Wallet: Coinbase Wallet is a self-custody multi-chain wallet that integrates with the Coinbase exchange and supports swaps and staking — comparable to NonBank's hybrid approach combining exchange connectivity with non-custodial control.
• Exodus Wallet: Exodus is a multi-chain desktop and mobile non-custodial wallet with built-in swaps, staking and portfolio tracking — comparable to NonBank as a multi-platform multi-chain retail wallet with in-app trading features.
• Rabby Wallet: Rabby is a multi-chain DeFi-focused wallet with built-in swap aggregation and transaction simulation — comparable to NonBank on multi-chain DeFi access and on-chain analytics, though Rabby is browser-extension-led rather than mobile-first.
• Zerion: Zerion is a DeFi portfolio tracker and wallet with multi-chain swap and staking — comparable to NonBank's emphasis on cross-chain portfolio analytics plus integrated swaps and staking.

Emerging players

• Safe (formerly Gnosis Safe): Safe is a smart-contract wallet platform focused on multi-sig and account-abstraction wallets with shared/collaborative custody — comparable to NonBank on the smart-contract-wallet, shared-spaces and gas-abstracted transaction dimensions.
• 1inch Wallet: 1inch offers a multi-chain wallet powered by its DEX aggregator for swaps and DeFi access — comparable to NonBank on multi-chain wallet plus third-party swap routing.

Broad incumbents

• Ledger Live: Ledger Live is the companion app to Ledger hardware wallets, supporting multi-chain assets, swaps and staking — broadly comparable to NonBank on multi-chain asset management plus hardware-wallet integration and security framing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Xx.com/nonbank_io
• LinkedInlinkedin.com/company/nonbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about nonbank.io