Veera is a global neobank built on blockchain technology that operates as a mobile-first financial platform. It combines a self-custodial cryptocurrency wallet with traditional banking services, such as a payment card, enabling users to earn, spend, invest, and borrow assets through a single interface. The platform aims to merge decentralized finance (DeFi) with conventional financial products. The legal entity behind Veera is Grayskull pvt lmtd, Inc. ^[1].

Overview

Veera positions itself as a "Global Financial OS" (Operating System), providing a unified application for a user's complete financial lifecycle ^[2]. The core of the platform is a non-custodial mobile wallet that gives users full control over their private keys and assets, eliminating the need for intermediaries ^[1]. Initially launched as a Web3 browser focused on privacy and dApp discovery, Veera evolved its brand and product offering to become an on-chain neobank. ^[2]​

The platform is designed to be accessible to a global audience, operating in 187 countries as of January 2026 ^[3]. Its services are structured around four main pillars: Earn, Spend, Invest, and a future Borrow feature. A central element of its planned ecosystem is the Veera Financial Identity Score (FIS), an on-chain credit scoring system based on a user's financial behavior rather than their geographical location ^[2]. Veera is backed by several prominent venture capital firms in the technology and cryptocurrency sectors, including Andreessen Horowitz and Sequoia Capital ^[1].

History and Evolution

Veera was founded in 2022, and its official X (formerly Twitter) account was created in May of that year ^{[3] [2]}. The company's public-facing history shows a significant evolution from its initial product.

Initially, Veera launched as a Web3 browser for smartphones, featuring a built-in wallet, ad-blocker, and a rewards engine. Around March 2025, the company announced a global expansion of this browser, making it available in over 108 countries. By September 2025, the platform had integrated native token swapping capabilities through partnerships with decentralized exchanges SushiSwap and Jupiter Exchange. ^[2]​

In December 2025, Veera announced a major rebranding, shifting its identity from a Web3 browser to a "Global Financial OS." This shift introduced the core concepts of "The Financial Loop" and the "Veera Financial Identity Score (FIS)." At the time of this announcement, the company reported having 1.6 million app installs and a presence in 187 countries. Social media properties associated with the platform's early days refer to a "Veera Browser," indicating the pivot toward the current on-chain neobank offering. ^{[1] [2]}​

In January 2026, Veera continued to build out its new identity with key partnership announcements. On January 12, a partnership with Yield.xyz was announced to power the platform's "Earn" feature with standardized yield infrastructure. A day later, Veera announced a security partnership with Guardrail to provide users with continuous on-chain monitoring and safer transaction execution. ^{[3] [2]}​

Products and Features

Veera's services are delivered through its mobile application and are built around the concept of a "Global Financial OS," which aims to integrate a user's entire financial life into one platform. ^[2]​

Veera Wallet

The Veera Wallet is the central component of the ecosystem. It is a self-custodial wallet, meaning users retain full control over their private keys and funds.

• Onboarding: Users can create a wallet in under 60 seconds using passkey technology for simplified and secure access.
• Custody: The wallet is "self-custodial by design."
• Compatibility: It is designed to be compatible with multiple blockchains, providing access to a wide range of digital and tokenized asset classes. ^[1]

Spend (Veera Card)

Veera offers a payment card that connects directly to the user's on-chain wallet balance, allowing them to spend their crypto and other digital assets in the real world.

• Global Acceptance: The card is accepted at over 130 million merchants worldwide, which indicates a partnership with a major card network (Mastercard).
• Spending Features: It offers 0% foreign exchange (forex) fees on international transactions and utilizes a "gasless" transaction mechanism to abstract away blockchain network fees for the user.
• Rewards and Yield: Users earn compounding cashback on their purchases, which can be automatically reinvested. Unused funds remaining in the wallet continue to generate yield through the "Earn" feature. ^[1]

Earn

The "Earn" feature functions as a DeFi yield aggregator, allowing users to earn interest on their digital assets directly within the app.

• Yield: It offers up to 10% Annual Percentage Yield (APY) on assets.
• Protocols: The feature integrates with numerous established DeFi protocols, including Aave, Lido, ether.fi, Morpho, and Ethena. It is powered by a partnership with Yield.xyz, which provides a standardized yield infrastructure.
• Terms: Yield-earning opportunities are offered with no lock-up periods or custodial risk, as users' assets remain in their self-custody wallets. ^{[1] [2]}

Invest

The platform includes an integrated investment feature that provides access to a diverse range of asset classes.

• Asset Selection: Users can invest in cryptocurrencies like Bitcoin (BTC), commodities such as Gold and Silver, and tokenized traditional financial assets like U.S. stocks and ETFs.
• Investment Methods: Veera supports multiple investment strategies, including lump-sum payments, Systematic Investment Plans (SIPs), and a "smart paycheck routing" feature. ^[1]

Borrow (Future Feature)

Veera has plans to introduce a lending and borrowing service that will be powered by a proprietary credit scoring system. This feature was marked as "Coming Soon" in early 2026. ^[1]​

Financial Identity Score (FIS)

The Financial Identity Score (FIS) is a core component of Veera's future plans. It is designed as a transparent, dynamic, and on-chain credit score based on a user's financial activity within the Veera ecosystem. The goal of FIS is to create a borderless, portable financial identity that is not dependent on traditional credit bureaus or a user's geographic location, making it more inclusive for underbanked populations. ^{[2] [1]}​

Web3 Browser

The original entry point to the Veera ecosystem was its Web3 browser, which continues to be a part of its offering. The browser is built for smartphones and includes:

• A built-in multi-chain Web3 wallet.
• A "V dApp Store" for discovering and interacting with decentralized applications.
• A native ad blocker for a faster browsing experience.
• A rewards engine that allows users to earn points redeemable for Web3 tokens and other rewards. ^[2]

Technology and Architecture

Veera's platform is built on an on-chain, non-custodial architecture. Its requirement for users to bind an EVM (Ethereum Virtual Machine) wallet for reward eligibility indicates its core operation on or compatibility with EVM-based blockchains. ^[3]​

• Security: Veera partnered with Guardrail to integrate an on-chain security layer. This provides users with continuous monitoring and aims to create safer transaction execution. ^[2]
• Decentralized Exchange (DEX) Integration: For its native swap feature, Veera has integrated with SushiSwap and Jupiter Exchange, enabling token swaps across multiple blockchains, including Ethereum, Solana, Base, and BSC. ^[2]
• Cross-Chain Communication: The platform utilizes protocols like Router Protocol and LayerZero for cross-chain routing functionality. ^[2]

Tokenomics

Veera's ecosystem involves at least one native token. The sources mention two different ticker symbols, though their precise relationship is not explicitly detailed.

• VEERAtoken is mentioned as the planned reward for community engagement initiatives. A community campaign on Discord allocated a $40,000 reward pool inVEERA` and an associated airdrop, with a dedicated rewards hub website established for user participation. ^{[3] [4]}
• VGT, reporting over 70,000 holders at that time. ^[2]

Investors

Veera is backed by a broad consortium of venture capital firms specializing in the technology and crypto industries. The list of investors includes:

• Andreessen Horowitz (a16z crypto)
• Sequoia Capital
• Polychain Capital
• Coinbase Ventures
• Dragonfly Capital
• Founders Fund
• Paradigm
• Electric Capital
• Pantera Capital
• Variant
• 6thMan Ventures
• Accomplice
• Cypher Capital
• CMCC Global
• Reflective Capital ^{[1] [3]}