Onchain Consumer Finance
Today we’re excited to announce an evolution of the Morph vision, one that stays true to the original goal of building the Global Consumer Layer while also being a vision that we feel the market is ready for and that our organization is uniquely positioned to deliver: Onchain Consumer Finance.
The way we earn, spend, and manage money is evolving. As more people build their lives and businesses online, the systems we use to interact with value must evolve with us. Traditional finance no longer fits the pace, structure, or expectations of a digital-first world.
A modern financial experience requires more than access. It requires systems that feel native to how we already live and transact.
Our team at Morph intends to deliver that experience.
We’re building a platform designed for onchain consumer finance - a unified experience where users can access payments, rewards, and financial tools that operate at the speed of the internet, without relying on outdated systems.
Built for the Digital Consumer
Morph is designed to support a globally connected group of users who manage their financial lives online. These are freelancers, digital entrepreneurs, remote workers, creators, and crypto enthusiasts. They earn in stablecoins, hold assets in self-custodied wallets, and use onchain tools in their day-to-day lives.
They value autonomy, access, and clarity. Morph provides the infrastructure to meet those needs with tools that are flexible, easy to use, and built for how people already live and work.
They value access, control, and clarity. What they need are tools that are just as dynamic as the environments they operate in.
Morph delivers those tools through a platform designed to move with them - fluid, accessible, and fully aligned with how value flows today.
Our users live and work primarily in the Internet Economy, and they deserve products, services, and platforms that meet them natively where they are.
Financial Tools That Work the Way You Do
Morph Pay is where digital finance becomes practical. It brings together spending, rewards, and onchain access in one seamless experience - designed to match the way people live, work, and manage value today.
With Morph Pay, users can transact directly from their wallets, earn token rewards, and engage with partner services through both digital and physical experiences. It’s everything onchain consumer finance should be: intuitive, secure, and built for everyday use.
The two core building blocks of Morph Pay:
Morph Black is a premium crypto card that offers access to up to 30 percent yield, high daily spending limits, token-based rewards, exclusive partner airdrops, and dedicated support. It’s designed for users who want to bring their assets into real-world use while unlocking powerful onchain benefits.
Morph Platinum provides a streamlined entry point into the Morph ecosystem. It includes direct access to the Morph Token, DeFi yield opportunities, integrated crypto payments, and both a digital and physical Platinum Card. It’s built for everyday use and designed for users who want modern financial tools without the complexity.
Both products are fully onchain, globally available, and mobile-first by design.
Backed by an Ecosystem of Industry Leaders
Morph is supported by long-term partners who share our vision for practical, scalable onchain infrastructure. Our network spans leading institutions across fintech, digital assets, and emerging markets, providing the foundation needed to grow and scale a global platform.
Our partners include Bitget, Dragonfly, Pantera, Foresight Ventures, Spartan Group, Symbolic Capital, and others who are committed to building the next era of consumer finance.
Among them, Bitget plays a particularly strategic role. As one of the world's leading digital asset platforms, Bitget brings global scale, operational expertise, and a shared commitment to advancing real-world crypto adoption. Their support strengthens Morph’s ability to deliver products that meet the demands of a fast-moving, digitally connected consumer base - while providing access to its existing 100+ million existing users.
A New Standard for Digital Finance
Morph is more than a platform. It’s a shift in how we interact with money - one that brings clarity, consistency, and control to people who already live and work online.
With Morph Pay, Morph Black, and Morph Platinum live, we’re delivering access to onchain consumer finance that feels modern, intuitive, and ready to scale with the world it serves.
Thank you for being a part of this journey.
Let’s Morph.