Hey PH !

Manny, founder of Blend.

Savings is still stuck in dumb tradeoffs: currency vs yield, upside vs sleep, simplicity vs control.

Blend is building one non-custodial savings account that can do all three. The core idea is we separate where money earns from what your savings is linked to, so you can switch between currency protection, steady yield, and (soon) structured upside with guardrails without turning into a trader.

What’s live: conservative USDC savings + USD Protection (save in USD, view in your home currency), withdraw anytime.

What’s next: currency-first savings and our first structured savings modes in the next couple weeks.

Would love your take: what’s the first “mode” you’d actually use?