Don't sell.

Spend money from your crypto at low interest.

Advertised rates are averages of the past 90 days.
Past rates are no guarantee of future rate conditions. See historical rates

Why Juniper?

  • Funds arrive at the bank & debit card you already use..
  • Repay when you want. No credit checks or bureau reporting.
  • Get money today while staying invested for the long term.
  • Your keys, your coins, your money — Juniper is 100% self custodial.

Self Custody

Only you have the keys to your Juniper wallet.

Juniper runs on the Ethereum blockchain, so you can verify your assets in your custody, in our app, or on the blockchain — any time, anywhere.

A screenshot of the Juniper dashboard showing various debit cards.

Enough cards, already

No waiting for a new card, no extra cards to manage.
Juniper works with your debit card, bank account, exchange, or crypto wallet.

Relaxation, not taxation.

When you sell crypto, that's taxable.
With Juniper, you're not selling.

Set up in minutes.

Deposit tokens.
ETH assets are automatically staked.
Connect your bank card to receive money.

That's it.

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Our Vision

Dealing with money in TradFi is too much work for too little reward. It's not your imagination; the system monetizes adding friction in moving our own money.

Juniper replaces your entire financial stack with an automated smart wallet and connected services. We build tools that let you automate your financial life, always 100% in your custody and control, faster, cheaper, and better than TradFi ever could.

TradFi's take rates are our opportunity, together.

Q4 2023

• Launched the smart wallet on Optimism's L2
• Stake ETH with Lido
• Get USDC at Aave
• Spend money on the Coinbase card

Q1 2024

• US bank & debit cards
• Deposit WBTC, OP, LINK, Aave, and others
• Stablecoin savings

Q2 2024

• Direct deposit for paychecks
• Bill pay legacy bills
• Unwrapped Bitcoin deposits

Q3 2024

• iOS & Android apps
• Support for EU cards & accounts
• Launch on other chains

Q4 2024

• Liquid Restaking Tokens
• Real World Assets
• AI-driven protocol selection & financial planning

About Us

David Young

5x startup founder/exec (exits to Google & Coinbase), in crypto since 2017. Passionate about equal financial access for all.

Zac Denham

Serial start-up founder, Y Combinator alum, lover of code. Passionate about building secure, production-grade decentralized applications

Karolis Karpavicius

Paid performance marketeer, specializing in PPC and organic growth. Crypto enthusiast since 2016, passionate about DeFI and financial solutions.

Harsh Pandey

Founding developer of Blocktrain and Pentabug. Specialize in crafting seamless and secure interfaces, driven by a deep passion for transforming ideas into reality through code.


Do I need to trust Juniper with my crypto?

No, your assets remain in a wallet that only you control.
Juniper runs entirely on-chain in full transparency.

Export your wallet's private keys for safe keeping or to use your own wallet.

How much can I spend?

Juniper allows you to spend up to 70% of the value of your crypto.

For example, if you stake 10 ETH, you can get up to 7 ETH's worth of spending money. Note that the closer you get to the maximum usage, the more likely it is that a fluctuation in the price of your deposited assets could cause your collateral to be sold.

See "What happens if the value of my asset declines?" for more details.

Why are Juniper rates so low?

Juniper's rates are low because your crypto secures the money you spend.

For ETH-like assets (ETH, wstETH, rETH), the Juniper wallet uses the yield generated by staking ETH to offset the cost of spending USDC.

If you deposit WBTC, OP, AAVE, etc. or other non-yield bearing tokens, you can't offset the rate with staking yield, but you can still use these assets to increase your spending power.

Do I need to have a credit score to get credit with Juniper?

No, all you need is ETH, WBTC, OP, LINK, or AAVE.

Reach out to us at if you have other cryptocurrency or digital assets that you'd like to use.

Can I use Juniper for my business?

Absolutely, it's your money!

For non-crypto, regular US bank cards (coming soon), you will need to personally verify your identity in order to receive money.

I’m not a US Citizen. Can I use Juniper?

Yes, Juniper works for everyone in the world, except in the countries listed below under "Is there anywhere I can't use Juniper".

How often do I need to make payments?

Make payments on your own schedule.

Instead of setting fixed payment dates, Juniper focuses on maintaining a balance between your spending and the value of your staked assets. See "How much can I spend" for more details.

Are there tax implications when using Juniper?

Unlike selling crypto to fund your debit card, a Juniper wallet spends stablecoins that are worth $1 when converted to fiat — which isn't a taxable event.

If you repay using USDC or fiat, that's not taxable.
If you repay using crypto, it's sold for USDC, and that is considered taxable.

Consult your tax advisor for further guidance.

What happens if the value of my asset declines?

A simple way to consider the ratio between spending and assets is that if you spend 20% of the value of your assets, you can withstand an 80% decline in the value of your assets before you should repay or add additional collateral.

Juniper will stop refilling your card if and when your money spent approaches 70% of the value of your crypto. This is to avoid having your crypto sold to cover the money you've already received.

Should the value of your assets decline further, your collateral will be sold, and your money spent will reset to zero until you deposit more assets.

Can I withdraw my assets?

Yes, your assets are in a self custodial wallet for which you have the keys - not us.

You'll need to repay any money you've spent before you can withdraw the crypto that secures it.

Is there anywhere I can't use Juniper?

Juniper does not provide service to Cuba, Syria, Iran, North Korea, Russia, Crimea, and certain disputed territories within Ukraine. Consult your exchange debit card provider for further restrictions and details.

Is Juniper a bank?

Juniper is neither a bank nor a financial institution.

Juniper is a self custodial wallet on Ethereum. Tungsten Financial, Inc. is a software company that develops a self-custodial smart wallet, using which a user can perform actions using their wallet on the blockchain on their own behalf.

Juniper does not provide credit to consumers.

Still have questions?