Money is learning to move itself.

We're 0XHODLER, a product studio for the agentic era. We help neobanks and onchain teams take AI-native finance from first sketch to mainnet, with a senior crew that ships its own products in public.

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$0M+ TVL managed zero security incidents
$0M+ yield paid out to users
0+ open-source repos shipped in public

Featured work

ls ./products — 3 live
live6 audits

Gearbox

app.gearbox.finance

A permissionless credit layer for DeFi. Onchain credit accounts with up to 10x composable leverage on one side, passive lending yield on the other. Six audits deep and battle-tested through every market.

onchain creditcomposable leveragelending
live2026

DeFi Garden

defi.garden

A goal-first DeFi savings planner. Tell it what you're saving for and how much you can set aside — it shows what live, real pool rates could grow it into. Every number is live DefiLlama data. Education, not advice.

consumer DeFilive yield datasavings UX
live$200M+ TVL

Accountable Yield

yield.accountable.capital

A marketplace for verifiable yield. Institutional vaults where every strategy is backed by cryptographic proofs from Accountable's Data Verification Network: $200M+ TVL across 18 active vaults, and counting.

verifiable yieldRWAinstitutional DeFi

About

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0XHODLER is an independent product studio, crypto-native since 2016, building at the edge where AI meets money. The next decade of finance belongs to software that acts: agents that hold budgets, settle onchain, and answer to humans. We design and ship that software, end to end.

studioindependent, senior only
baseAmsterdam, NL
crypto-nativesince 2016
focusagentic finance · DeFi · neobanks
stackLLM pipelines · EVM · Base
statusavailable for engagements
init new_engagement

Building the bank your agents will use?

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