OneSafe

OneSafe is a financial technology platform that provides neobanking services to global businesses operating at the intersection of fiat and digital asset finance. Founded in 2021 by Chris Shei and Brian Ko, the company was built for Web3 companies, startups, and DAOs that traditional banks routinely decline — offering business banking accounts, multi-currency management, corporate cards, and crypto payment rails under a single interface.

The Problem It Solves

Traditional financial institutions have struggled to serve crypto-native businesses, often closing accounts or refusing service to companies that transact in digital assets. OneSafe CEO Chris Shei built the company from direct experience: he was debanked by JPMorgan and Citibank before founding the platform. OneSafe partners with crypto-friendly regulated banks to give Web3 companies access to standard business banking infrastructure — US-based accounts, wire transfers, international payments — alongside native cryptocurrency capabilities.

Core Platform Features

OneSafe provides a unified financial dashboard where businesses manage both fiat and crypto without switching between tools.

Business accounts and fiat rails: OneSafe supports multi-currency accounts in USD, Euro, and CAD with global accessibility. Businesses in over 30 countries can open accounts, with onboarding typically completing within one week. Fiat payment infrastructure includes ACH transfers, domestic and international wires, and bill payments — the full range of standard business treasury needs.

Corporate Mastercard: Physical and virtual corporate cards with customizable spending limits per team member allow companies to fund card balances from either crypto or fiat, enabling crypto-backed corporate expense management without the friction of manual conversions.

Crypto-to-fiat and fiat-to-crypto conversion: Real-time conversion operates at 0% commission. OneSafe also absorbs network gas fees on covered chains, so businesses transacting on supported networks pay nothing additional beyond the exchange rate.

24/7 on/off-ramp: A built-in exchange provides around-the-clock liquidity for moving between digital assets and fiat, integrated directly into the account dashboard rather than requiring external exchange accounts.

Approval workflows and permissions: Role-based access controls allow finance teams to configure spending limits, multi-approval requirements, and team-member permissions without external tooling. This is particularly valuable for DAOs and multi-founder startups managing shared treasuries.

Accounting integration: Transaction history and reporting tools are designed to integrate with business accounting workflows, reducing reconciliation overhead for crypto-heavy businesses.

Supported Blockchains and Assets

OneSafe supports payments and custody across Bitcoin, Ethereum, Polygon, Solana, and Avalanche. Stablecoin support includes USDT, DAI, and USDC alongside other major cryptocurrencies. Businesses can receive payments in SOL and settle in fiat, making the platform relevant to Solana-native projects that need to convert treasury assets or pay global contractors in local currencies.

Security Model

OneSafe's digital asset custody infrastructure runs on Fireblocks, an institutional-grade custody and settlement network used by hundreds of major exchanges, banks, and asset managers globally. All accounts require multi-factor authentication and end-to-end encryption is applied across the platform. Businesses complete Know Your Business (KYB) verification during onboarding, which also satisfies compliance requirements for the underlying banking partners.

OneSafe operates as a fintech company rather than a licensed bank, providing services through partnerships with regulated financial institutions. This structure is standard among neobanks; FDIC protection where applicable flows through the partner bank rather than OneSafe directly.

Team and Funding

OneSafe was co-founded by Chris Shei (CEO) and Brian Ko (CTO). The company is headquartered in Miami, Florida, and incorporated in Delaware. It has completed one disclosed funding round backed by First Round Capital and Soma Capital — two established early-stage venture investors. Specific funding amounts have not been made public.

Traction

OneSafe has processed over $800 million in transaction volume across more than 1,000 businesses in over 30 countries. The platform is available globally, excluding OFAC-sanctioned jurisdictions and certain US states.

Solana Ecosystem Fit

For Solana-native businesses — DeFi protocols, NFT studios, gaming companies, DAOs, and infrastructure teams — OneSafe addresses the persistent gap between on-chain operations and off-chain business expenses. Teams that earn revenue in SOL or USDC but need to pay salaries in fiat, cover cloud infrastructure costs, or manage multi-jurisdictional payroll face structural friction that traditional banks have rarely resolved. OneSafe's zero-fee crypto-to-fiat conversion and institutional Fireblocks custody layer offer a practical path for these businesses to access banking infrastructure on equal terms with their non-crypto counterparts.

The platform's DAO tooling is particularly relevant in the Solana ecosystem, where community-governed protocols control significant treasuries in SOL and SPL tokens. OneSafe's flexible approval policies and shared access controls allow DAO treasuries to interact with fiat payment rails without requiring individual signers to act as personal financial intermediaries — a meaningful operational improvement for decentralized teams managing real-world costs.