what's Facto?

Facto is a DeFi protocol that enables users to spend directly from their DeFi positions and onchain balances, functioning as an onchain bank account. It unlocks composability for idle capital in DeFi, allowing seamless payments without liquidation or bridging. The project integrates with crypto cards and neobanks, such as enabling Rain cards to spend from DeFi liquidity. By bridging DeFi yields with everyday spending, Facto aims to make decentralized finance more practical for real-world use.

Facto Co-Founder debates Web 4.0/AI accountability March 31, 2026, on Bybit Predicts.

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