crypto should be your daily driver. not a vault. not something you check once a quarter. something you actually spend.

but crypto is hard to spend. you can't hide your balance. you can't separate your money from your identity. one breach drains everything. building credit is impossible.

machines fixes this. we give you control over what you have and credit for what you do. what is machines? virtual Visa credit cards with private payments — for humans and agents to spend and build credit.

you already use crypto. you have multiple wallets. you farm, you earn, you trade, you run agents. you want to spend without exposing yourself. you want to build credit without going into debt.

exposed with public payments: when you share an address to pay someone, you're sharing your balance, your history, and your future activity. nobody wants to pay for coffee and accidentally leak their bank statement.

at risk mixing saving and spending: mixing funding and spending is dangerous. your wallet doubles as a spend account. one breach, one malicious dapp, one compromised extension—all your money is gone. reusing the same wallet or card links everything together. your activity becomes searchable.

time kills convenience: your money is scattered across accounts. you have to worry about bridging. converting. funding new accounts. it all takes time. there's no way to organize, automate, or separate.

lock-in is the default: neobanks, wallets, payment apps—they all sit in the middle. they hold your money. they manage the rails. they act on your behalf. you're dependent on them.

we separate what you have from what you spend.

privacy with relays. every deposit goes to a unique, single-use address. from there it relays to a separate spending account. your main wallet stays hidden. when you withdraw, the money goes to a new single-use address and relays to wherever you want it. the blockchain can't link your spending to your savings.

security with separation. create unlimited virtual visa cards. set spend limits per card. assign each card to different activities. one breach doesn't drain everything. one card compromised doesn't expose the rest. you control the blast radius.

productivity with ease. use any crypto. btc, monero, zcash, sol, tron, usdt, usdc, eth—whatever you hold. the system swaps it automatically. spend in seconds. recurring payments are one-tap. organize with labels and reminders. search by merchant or amount. track your spending. it just works.

control without lock-in. your existing wallet signs every critical action. machines doesn't hold your money. machines doesn't authorize on your behalf. you stay in control. for spending, not saving.

banks own it. $250 billion in credit card interest flows to banks every year. users can't access it. users can't earn from it. credit is bundled—ownership, capital, risk pricing. there's no modular entry point. you can't use just the parts you want.

debt is the price. building credit requires underwriting. underwriting requires lending risk. lending risk requires debt. credit reporting requires carrying a balance. you have to go into debt to prove you're creditworthy. it's broken.

onchain credit doesn't exist. income signals don't work onchain. credit scoring is built for humans, not agents. there's no way to verify cashflow from multiple sources. credit only works in the traditional system.

machines doesn't lend. capital is external and permissionless. anyone can supply capital and earn yield. behavior, income, and capital are separated and programmable. this is open infrastructure, not a closed system.

credit without debt. every transaction uses a credit line. repayment is immediate. you build credit history without carrying a balance, without interest, without going into debt. we verify your cashflow onchain to size your credit line (Metro 2 compatible). no credit pulls. no damage to your score. no debt.

credit for humans and agents. we combine your card behavior and your onchain yield streams as verified income. the system is programmable. it works for you whether you're trading, farming, or running agents.

privacy with relays

• single-use deposit addresses

• single-use withdrawal addresses

• multiple accounts

security with separation

• unlimited virtual visa cards

• spend limits per card

• isolated spending accounts

productivity with ease

• mobile first

• use any crypto (btc, monero, zcash, sol, tron, usdt, usdc, eth, evm)

• reminders for recurring bills

• spotlight search by merchant, amount, date

• organization with labels, colors, folders

• memos

• spending analytics

• smart agent

• desktop app

• export to csv

control without lock-in

• use any wallet

• agent api

open credit system (soon)

• open credit architecture

• yield opportunities for capital providers

• modular architecture

spending-based credit (soon)

• zero-risk credit building

• onchain cashflow verification

• opt-in debt-free credit reporting

credit for humans and agents (soon)

• onchain income verification

• agent-ready credit system

machines is for people who already use crypto. we're not here to convince you to use it. we're here to make it actually usable. spend without exposing yourself. build credit without going into debt. stay in control.

crypto should be your daily driver. not a vault. not something you check once a quarter. something you actually spend.

but crypto is hard to spend. you can't hide your balance. you can't separate your money from your identity. one breach drains everything. building credit is impossible.

machines fixes this. we give you control over what you have and credit for what you do. what is machines? virtual Visa credit cards with private payments — for humans and agents to spend and build credit.

you already use crypto. you have multiple wallets. you farm, you earn, you trade, you run agents. you want to spend without exposing yourself. you want to build credit without going into debt.

exposed with public payments: when you share an address to pay someone, you're sharing your balance, your history, and your future activity. nobody wants to pay for coffee and accidentally leak their bank statement.

at risk mixing saving and spending: mixing funding and spending is dangerous. your wallet doubles as a spend account. one breach, one malicious dapp, one compromised extension—all your money is gone. reusing the same wallet or card links everything together. your activity becomes searchable.

time kills convenience: your money is scattered across accounts. you have to worry about bridging. converting. funding new accounts. it all takes time. there's no way to organize, automate, or separate.

lock-in is the default: neobanks, wallets, payment apps—they all sit in the middle. they hold your money. they manage the rails. they act on your behalf. you're dependent on them.

we separate what you have from what you spend.

privacy with relays. every deposit goes to a unique, single-use address. from there it relays to a separate spending account. your main wallet stays hidden. when you withdraw, the money goes to a new single-use address and relays to wherever you want it. the blockchain can't link your spending to your savings.

security with separation. create unlimited virtual visa cards. set spend limits per card. assign each card to different activities. one breach doesn't drain everything. one card compromised doesn't expose the rest. you control the blast radius.

productivity with ease. use any crypto. btc, monero, zcash, sol, tron, usdt, usdc, eth—whatever you hold. the system swaps it automatically. spend in seconds. recurring payments are one-tap. organize with labels and reminders. search by merchant or amount. track your spending. it just works.

control without lock-in. your existing wallet signs every critical action. machines doesn't hold your money. machines doesn't authorize on your behalf. you stay in control. for spending, not saving.

banks own it. $250 billion in credit card interest flows to banks every year. users can't access it. users can't earn from it. credit is bundled—ownership, capital, risk pricing. there's no modular entry point. you can't use just the parts you want.

debt is the price. building credit requires underwriting. underwriting requires lending risk. lending risk requires debt. credit reporting requires carrying a balance. you have to go into debt to prove you're creditworthy. it's broken.

onchain credit doesn't exist. income signals don't work onchain. credit scoring is built for humans, not agents. there's no way to verify cashflow from multiple sources. credit only works in the traditional system.

machines doesn't lend. capital is external and permissionless. anyone can supply capital and earn yield. behavior, income, and capital are separated and programmable. this is open infrastructure, not a closed system.

credit without debt. every transaction uses a credit line. repayment is immediate. you build credit history without carrying a balance, without interest, without going into debt. we verify your cashflow onchain to size your credit line (Metro 2 compatible). no credit pulls. no damage to your score. no debt.

credit for humans and agents. we combine your card behavior and your onchain yield streams as verified income. the system is programmable. it works for you whether you're trading, farming, or running agents.

privacy with relays

• single-use deposit addresses

• single-use withdrawal addresses

• multiple accounts

security with separation

• unlimited virtual visa cards

• spend limits per card

• isolated spending accounts

productivity with ease

• mobile first

• use any crypto (btc, monero, zcash, sol, tron, usdt, usdc, eth, evm)

• reminders for recurring bills

• spotlight search by merchant, amount, date

• organization with labels, colors, folders

• memos

• spending analytics

• smart agent

• desktop app

• export to csv

control without lock-in

• use any wallet

• agent api

open credit system (soon)

• open credit architecture

• yield opportunities for capital providers

• modular architecture

spending-based credit (soon)

• zero-risk credit building

• onchain cashflow verification

• opt-in debt-free credit reporting

credit for humans and agents (soon)

• onchain income verification

• agent-ready credit system

machines is for people who already use crypto. we're not here to convince you to use it. we're here to make it actually usable. spend without exposing yourself. build credit without going into debt. stay in control.