Walme

Walme puts a wallet, a fiat account and a messenger into one app. The wallet is non-custodial and signs locally in the device's secure enclave, while an IBAN account and a physical card let users convert crypto to fiat at the live rate when paying. The built-in messenger is end-to-end encrypted and supports transfers and paid channel access inside the chat window.

On the asset side there are two yield tools: fiat loans issued by partner banks against crypto collateral, and automatic reinvestment across staking, liquidity pools and portfolio strategies. The app connects to external dApps through WalletConnect, signs and broadcasts locally, and an AI assistant suggests rebalancing from holdings and market data, with KYC and limits set per region. Card limits and the freeze switch are adjustable inside the app.