Rebind is designed to make saving simple and safe. Your money is protected through several independent layers that work together. These layers include stable and fully backed digital money, conservative market design and strong user-controlled security. Each layer reinforces the others so your savings stay safe and accessible at all times.

Stable, fully backed money

Rebind uses only fiat-backed stablecoins that hold a one-to-one value with euros or dollars. Every unit is backed by real reserves held by regulated financial institutions. This keeps the value stable and predictable.

Stablecoins used in Rebind are issued by established and well regulated entities and are widely adopted by payment companies, fintech platforms and global businesses. They behave like familiar money, only moving on much faster and more reliable rails. This forms the foundation on which your savings grow.

A dedicated article explains stablecoins in more detail.

Overcollateralized markets where savings grow

Rebind connects your savings to open lending markets that require borrowers to post more collateral than they borrow. This ensures that loans remain protected. If the value of the collateral falls, the system automatically uses part of it to repay the loan. They already hold more than 36 billion euros in assets and are used by institutions and thousands of individual users alike.

This design greatly reduces the chance of borrower defaults. The markets Rebind uses have operated safely for years.

The detailed mechanics of these markets are described in this separate article.

User-controlled security and access

Rebind adds another layer of protection through the way access and approvals work inside the app.

You stay in control of your money at all times

Rebind is designed so that only you can move your money. The app cannot access, transfer or withdraw your savings on its own. Every action requires your direct approval.

To make this possible, Rebind relies on secure access technology provided by Privy, a Stripe company. Privy protects the keys and permissions that allow you to control your savings. It secures more than 75 million accounts and provides the same type of login security used by leading fintech companies.

Privy does not hold your assets. It simply protects the way you approve transactions, so no one else, including Rebind, can act on your behalf. This means your money cannot be touched, moved or used for anything unless you confirm it from your device.

Unlike with banks your money isn't custodied with a third party, but by yourself through a cryptographic key on your device.

Biometric confirmation for every action

All money movements must be approved through fingerprint or face unlock. This ensures that even if someone gains access to your device, they cannot take any action without your biometric confirmation.

Instant withdrawals

Your money stays available at any time. Withdrawals are instant with 99.3 percent reliability.

Mobile-only for safer use

Rebind is intentionally offered only as a mobile app. Apps listed in the App Store and Google Play undergo review and testing. Mobile environments are also far less vulnerable to phishing than browsers. This significantly reduces common online risks.

Privacy and data protection

Rebind does not store personal information shared during identity verification. For creating a personal IBAN and Visa debit card, Rebind partners with Gnosis Pay. Personal data is passed through securely using encrypted methods and is not kept in Rebind systems. This keeps sensitive information private and secure.

Based and built in Europe

Rebind is headquartered in Paris and operates under European financial, data and market regulations. These frameworks provide strong consumer protections and clear standards for digital financial services. Being based in Europe adds another layer of trust and oversight.

A simple explanation of risks

Like all financial products, Rebind operates within systems that carry some level of risk. The main categories are:

• infrastructure risk, related to the underlying software systems

• market risk, related to rare extreme conditions that may affect liquidity

Rebind minimizes these risks through conservative asset choices, the use of fully backed stablecoins, established lending markets and a self-custodial model that keeps users in control of their funds.

In short

Rebind protects your money through stable, fully backed assets, proven overcollateralized markets and secure user-controlled access. Your funds remain in your control, stay private and stay accessible at any time.