tengo.Spend against your stocks.
Never sell.
A self-custody Visa card backed by your portfolio — stocks and dollars on Robinhood Chain, spendable anywhere Visa is accepted.1 2 4 5
Launching across 30 EEA countries.4
Deposit stock, tap the card, and your portfolio stays exactly where it was.
Three steps. Zero selling.
Deposit into your own vault
Stocks and dollars go into a vault only you control — keys exportable, always.7
Get a virtual Visa card in minutes
Free and instantly active; add it to your phone's wallet where supported.1
An agent keeps the card funded
It tops up from your portfolio automatically — and is contract-bound so it can never withdraw.6
Every cost shown. Before you pay it.
Every action explained.
Your money stays yours.
Your keys, your funds
Self-custody by design: your own vault and card account, with key export always available.7
The agent is caged
Its permissions are enforced by contracts, not promises: it can fund your card, it cannot withdraw.6
Freeze instantly
Freeze and unfreeze your card in the app, any time, in one tap.
Audited rails
The card account, agent guard, and lending market run on audited, battle-tested Safe, Zodiac, and Morpho contracts; the card is issued through a regulated partner.1
One card. No tiers.
Be first in line.
Launching across 30 EEA countries.4 Tell us where you are and we'll tell you honestly when you can use Tengo.
Email, country, and your language — nothing else. Encrypted at rest.
Frequently asked questions
Is Tengo a bank?
No. Tengo is a technology product, not a bank or investment adviser. The card is issued through Gnosis Pay and its regulated partner (Monavate), under a Visa license. Your assets sit in your own on-chain accounts, not with us.
Who holds my money?
You do. Funds live in a vault and card account that you control with your own keys, which you can export at any time. Tengo never takes custody.
Are Stock Tokens real shares?
No. Stock Tokens are tokenized instruments issued by a Robinhood entity that track equity prices — they are a claim on the issuer, not the underlying share. We show the full risk disclosure before you deposit any.
Where is Tengo available?
At launch: residents of the 30 EEA countries. Latin America is planned next, and card-only features may come to the UK and Switzerland later — stock-backing is not available there. Join the waitlist and we'll tell you honestly where your country stands.
What does it cost?
The virtual card is free with no monthly fee.1 Moving money to your card costs 0.9–1.5%3 and every component of that cost is itemized in the app before you confirm — nothing is skimmed silently.
Can the agent lose my money?
The agent can only do what its on-chain permissions allow: fund your card and manage your buffer. Moving funds to any outside address is impossible for it — that constraint is enforced by contracts you can inspect, not by policy.6
Is this a loan?
It works as a credit line on your own assets. When your card is funded against your stocks, the draw happens on transparent, on-chain terms through an open lending market, secured by assets you keep — nothing is sold, and the live rate is always visible in the app before and after.4