Compass x Para - The Complete DeFi Stack for Fintechs

At a glance

Partnership	Para (embedded wallets) + Compass (DeFi API). Together: the complete DeFi stack for any fintech, wallet, or neobank.
What it enables	Any app with Para wallets can now add yield, lending, borrowing, and portfolio management through a single API.
Integration	Full walkthrough live on Para docs with working examples.

Key stats

15M+ users across Para-enabled apps can now access DeFi products
Non-custodial on both sides - neither Para nor Compass ever holds funds or complete keys
Gas sponsored - users never need ETH
Built-in revenue - embedded fees let apps monetize DeFi from day one

Para + Compass

Compass partners with Para to give every wallet built on the Para platform access to DeFi products - yield, lending, borrowing, trading, and portfolio management - through one integration. Users sign up with email and can be earning yield in the same session.

The problem

Fintechs and wallets want to add DeFi products. Their users are asking for yield on stablecoins, crypto-backed loans, or trading tokenised stocks. But actually building this means integrating chains, protocols, monetization infrastructure, and more - each with its own contracts, data formats, gas logic, and approval flows. Most teams don't ship, or burn through time and money.

And that's just the DeFi side. On the wallet side, you're dealing with key management, recovery flows, multi-chain support, and authentication - all before a single user earns a dollar in yield.

Teams end up stitching together 4-5 different providers, managing multiple integrations, and still not having the scalable DeFi layer they need to build a proper product experience.

The solution

Para handles the wallet layer. Email, phone, social login, passkey - no seed phrases, no browser extensions. Private keys are split via MPC between the user's device and Para's infrastructure. Neither Para nor the app ever holds a complete key.

Compass handles everything after that. One API for yield, lending, borrowing, trading, and portfolio management across dozens of protocols and blockchains. Compass constructs transactions and provides all the data - but never holds funds, keys, or deploys intermediate vault wrappers.

"The Compass team has built a strong product for making DeFi infrastructure more usable for fintechs and companies building in payments. Working together helps expand what Para teams can enable out of the box, with a simpler path for customers to offer DeFi products without getting pulled into blockchain complexity"

— Aditi Sriram, COO at Para

"15M+ users already sit in Para wallets ready for DeFi. We just gave them the infrastructure to turn it on. And what I love about this partnership is that neither side holds user funds or keys - Para handles key management, Compass orchestrates transactions, users stay in control. That's how it should work."

— Elisabeth Duijnstee, CEO, Compass Labs

How it works

User signs up with email via Para - gets a non-custodial wallet instantly
App calls Compass API - gets back an unsigned transaction payload
User signs through their Para wallet with one tap (gas sponsored)
User earns yield on stablecoins and withdraws anytime
App earns revenue via built-in monetization

This same pattern repeats for every product. Swaps, deposits, withdrawals, borrowing, repaying, rebalancing. You learn it once.

The data layer

Compass doesn't just handle transactions - it gives apps the full picture to build a complete product experience, including real-time balances across all positions, transaction history, PnL tracking, health factors, rate data, and more. Everything you need for the UI.

What you can build

Yield savings - Users deposit stablecoins and earn 4-8% annually. Embed a performance fee on yield.

Crypto-backed credit - Users borrow stablecoins at 2-4% against BTC or ETH collateral. Display health factor and liquidation risk in-app.

Trading - 100+ tokens. On-chain settlement, transparent pricing. Embedded fee per swap.

Tokenised stocks - US equities 24/7. Apple, Tesla, S&P 500. Fractional shares from $1.

Portfolio management - Monitor rates across venues and rebalance atomically when better opportunities show up. One signature moves funds between vaults.

All products ship through the same integration. Start with one, expand without rebuilding.

Key benefits

Non-custodial end-to-end - Para splits keys via MPC. Compass never holds funds.
Built-in monetisation - Embedded fees let apps earn alongside their users from day one.
Two SDKs, full stack - Wallets, auth, DeFi products, gas abstraction, data.
Multi-chain, multi-protocol through the same integration.
No blockchain engineers - Live in weeks, not months.
Full portfolio data - Balances, PnL, tx history, rates, health factors - all from the API.

Get started

Para and Compass together turn "we want to add DeFi" from a 6-month engineering project into a product decision. Two SDKs. Working seamlessly together. No blockchain engineers. Live in weeks.

The full integration walkthrough is on Para's docs - complete with TypeScript code, gas sponsorship setup, and working examples for Earn, Credit, and Portfolio Manager.

Compass does not control DeFi protocols or smart contracts. Using DeFi protocols involves risk, including potential loss of funds. This is not investment advice.