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Pods Building onchain finance for neobanks
Pods
Company Overview.
Description.
Pods is a Brazilian DeFi infrastructure company founded in 2020 by Robson Silva Junior, headquartered in São Paulo. Originally launched as a DeFi options protocol, Pods pivoted to become a B2B API platform that abstracts smart contract complexity for neobanks and fintechs wanting to offer onchain yield, cross-chain swaps, and crypto-backed loans. Pods aggregates 13+ DeFi protocols (Aave, Morpho, Lido, Compound, Ondo USDY, Theo thBill) across 8+ blockchain networks (Ethereum, Base, Optimism, Arbitrum, Solana, Polygon, Gnosis, Bitcoin) through a single REST API. The platform is non-custodial — users maintain full custody of funds at all times. Pods provides ready-to-sign transaction bytecode that clients execute using their own wallets, with no Pods-controlled smart contracts in the funds flow.
Key Infrastructure.
Provides real-time APY tracking, deposit/withdraw bytecode generation, position monitoring, and automated protocol maintenance without requiring client-side smart contract code or blockchain engineering expertise.
Includes quote generation with fee breakdowns, transaction bytecode, and lifecycle tracking with webhook notifications for cross-chain execution status changes from pending through fulfilled or refunded.
Features best price aggregation, gas-optimized routes, sub-5 minute quote validity, and support for ERC-20 and native tokens.
Platform fee is 25 BPS with optional integrator markup configured through the admin panel.
Provides current position balances, realized and unrealized PnL, yield earned over time with APY breakdowns, historical transaction data, and aggregated portfolio value across chains — all via a single API call without requiring custom indexer infrastructure or chain reorg reconciliation.
Enables AI agents to execute swaps, deploy yield strategies, track positions, and scaffold integration projects programmatically with zero raw HTTP requests required.
Installable via npx.
Provides production-ready products (yield, RWA yield, savings accounts, fixed quote swaps) and direct access to ecosystem partners including Polygon Labs, Monad, Privy, Gnosis Pay, Octopus Labs, Dakota, and Daimo.
Applications close June 30, 2026.
Additional Features.
General Questions.
Pods is a B2B DeFi infrastructure API enabling fintechs, neobanks, and wallets to integrate onchain yield strategies, cross-chain swaps, and DeFi protocol access without building blockchain engineering teams. It aggregates 13+ DeFi protocols across 8+ blockchains behind a single REST API, generating ready-to-sign transaction bytecode while remaining fully non-custodial.
Neobanks, fintechs, crypto wallets, institutional custodians, exchanges, and investment platforms wanting to offer DeFi yield products, cross-chain swaps, and crypto-backed loans to end users. Specific named clients are not publicly disclosed.
No financial licenses disclosed. Pods is non-custodial infrastructure — it never holds user funds or keys — so it operates as a technology company rather than a regulated financial institution. KYC/AML compliance is the responsibility of the integrator.
8+ blockchains: Ethereum, Base, Optimism, Arbitrum, Solana, Polygon, Gnosis, Bitcoin, plus BNB Chain, HyperEVM, and Avalanche. Stablecoins supported include USDC, USDT, and DAI through integrated DeFi protocols. DEX aggregation via 1inch, Jupiter, and Uniswap; bridge providers include Relay, LiFi, Mayan, CCTP, TeleSwap, and Symbiosis.
