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Fintopio

Fintopio

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About Fintopio

Fintopio is an automated DeFi investment aggregator that helps users optimize yield across protocols with smart strategies.

DeFi yield aggregator automation investments

Fintopio is a cross-platform, all-in-one CeDeFi wallet designed to give users seamless access to both centralized (CeFi) and decentralized finance (DeFi) functionalities within a single interface. Whether you prefer self-custody and decentralized swaps or fast, compliant custodial services, Fintopio empowers you to switch between both with just one tap.

Unlike most Web3 wallets, Fintopio supports gifting crypto via social usernames, including Telegram, X, and soon Discord and WhatsApp—making digital finance more accessible. With full support for NFTs across Ethereum, Solana, Polygon, and TON, plus on/off ramps and DeFi features, Fintopio offers a new kind of wallet experience that combines convenience, compliance, and control.

Fintopio is a next-generation wallet platform focused on delivering a unified CeFi-DeFi experience across multiple environments—iOS, Android, Web, and Telegram MiniApps. Built to merge the flexibility of decentralized systems with the speed and compliance of centralized services, Fintopio removes the barriers that traditionally divide these two financial paradigms.

The platform supports over 100 crypto assets across more than 30 blockchains with features like cross-chain swaps, NFT support, fiat exchanges, and social gifting. Its multichain architecture enables users to send and receive tokens across networks without friction, while its integration of on-chain and custodial layers allows for seamless fund management. In CeFi mode, Fintopio offers lightning-fast transactions through licensed custodial services. In DeFi mode, users retain full control of their private keys and on-chain assets.

The project is operated under a regulatory framework with global licenses, providing essential features like KYC/AML compliance, 24/7 human support (under one-minute response), and verified social channels. The core team behind Fintopio includes veterans in blockchain, finance, and tech, including CEO Steve Milton, CTO Sergey Maslov, and Marketing Director Anna Morgan.

Fintopio’s roadmap—or as they call it, their “constellation”—includes upcoming services like Fintopio Earn, Fintopio Pay, Fintopio Card, and Fintopio Launchpad, all designed to further integrate everyday financial needs into a decentralized and user-controlled ecosystem.

Comparable wallets offering partial functionality include MetaMask, TrustWallet, and Coinbase Wallet, but none combine DeFi, CeFi, NFT support, and social finance in the same way as Fintopio.

Fintopio provides numerous benefits and features that make it a standout in the CeDeFi wallet market:

CeFi & DeFi Integration: Instantly switch between custodial and non-custodial modes without changing platforms or wallets.
Cross-Platform Compatibility: Available on iOS, Android, Web, and as a Telegram MiniApp, ensuring access from any device.
Social Gifting & Smart Send: Send crypto by Telegram or X username—with upcoming support for Discord, WhatsApp, and more.
NFT & dApp Support: Full support for NFTs on Ethereum, Solana, Polygon, and TON, plus access to dApps inside the wallet.
Multichain Swaps: Swap tokens on-chain or cross-chain across 30+ supported blockchains.
Fiat On/Off Ramps: Buy and sell crypto with fiat currency directly inside the app.
Regulatory Compliance: Fully licensed globally with KYC/AML, human support in < 1 minute, and verified presence on major social platforms.

Getting started with Fintopio is simple and flexible, regardless of your preferred device or platform.

Step 1: Download the App
Visit the App Store, Google Play, or access the Telegram MiniApp directly to install Fintopio.
Step 2: Choose Mode
Upon launching, decide whether to use CeFi (custodial) or DeFi (non-custodial) mode. You can switch between them at any time.
Step 3: Import or Create Wallet
Create a new wallet or import one using seed phrases from MetaMask, TrustWallet, Ledger, TON Connect, and more.
Step 4: Explore Features
Use the app for cross-chain swaps, NFT transfers, fiat exchanges, and social gifting. Try Smart Send to transfer crypto by Telegram or X usernames.
Step 5: Secure & Verify
Complete KYC for access to CeFi features, and set up security options including password recovery and 2FA.

Fintopio FAQ

Fintopio makes crypto gifting and onboarding seamless by enabling users to send digital assets to recipients who don’t even have a wallet yet. Through its Smart Send and Voucher systems, users can gift crypto via a unique voucher code or by targeting usernames on platforms like Telegram and X. The recipient simply clicks a link or enters the code, and a wallet is automatically created or imported through Fintopio’s platform. This lowers the barrier to entry for crypto adoption and removes the need for pre-existing Web3 knowledge.
Fintopio sets itself apart by allowing users to instantly switch between custodial (CeFi) and non-custodial (DeFi) modes without requiring separate wallets or apps. This dual-layered approach enables fast transactions with regulated custodians in CeFi mode while maintaining full control over private keys in DeFi mode. Few wallets offer this flexibility within a unified user interface like Fintopio, making it ideal for both crypto newcomers and power users.
Yes, Fintopio offers a fully functional Telegram MiniApp where users can manage their wallet, send crypto via usernames, and even initiate swaps. This is especially valuable for users who want a lightweight interface without downloading a full mobile app. The Telegram MiniApp lets users access key wallet features, monitor balances, and even gift crypto in just a few taps, making Fintopio a truly cross-platform wallet solution.
Fintopio operates under official licenses and is fully compliant with KYC/AML regulations globally. Every CeFi-related transaction is monitored and aligned with regulatory frameworks, while DeFi features remain unrestricted and accessible through non-custodial mode. By offering both experiences in parallel, Fintopio delivers a secure and legally sound experience without compromising on crypto principles like privacy and autonomy.
Fintopio supports full NFT functionality on Ethereum, Polygon, Solana, and TON, allowing users to store, send, and view NFTs in-app. The wallet also supports over 100 digital assets across 30+ chains with both on-chain and cross-chain swap capabilities. This broad multichain compatibility makes Fintopio one of the most inclusive CeDeFi wallets in the ecosystem.