Your financial life,on Stellar.

Solvo is a self-custodial Stellar wallet built for freelancers. Invoice clients in EUR or USD, get paid via bank transfer or crypto, and receive EURC or USDC on Stellar. Then earn 5–7% yield, pay with your card, and generate tax reports — all in one app.

Get early access

Free to start · No bank account needed · Your keys, your money

9:41
TOTAL BALANCE
€128,540.20
Add money
Send
Solvo Card
Get card
Spend to earn.
Get paid
Invoice clients · share a link
TRANSACTIONS
Aurora Studio
Received · today
+€1,200.00
Verde Market
Card · yesterday
−€62.40
Nova Rides
Sent · Mon
−€18.00
Home
Convert
Earn
Borrow

Your wallet is your
financial home.

Hold EURC and USDC directly in your self-custodial Stellar wallet. Send them globally in seconds for fractions of a cent — no middleman, no account approval, no withdrawal limits.

Fast settlement, typically in seconds.

Payments confirm faster than a card swipe, for fractions of a cent.

Truly self-custodial

Your keys never leave your device. Solvo's servers never see them.

Built for humans

Bank-grade power with an interface that feels effortless.

9:41
TOTAL BALANCE
€128,540.20
Add money
Send
Solvo Card
Get card
Spend to earn.
Get paid
Invoice clients · share a link
TRANSACTIONS
Aurora Studio
Received · today
+€1,200.00
Verde Market
Card · yesterday
−€62.40
Nova Rides
Sent · Mon
−€18.00
Home
Convert
Earn
Borrow

Real euros,
when you need them.

EURC is 1:1 EUR-backed, so most of the time you simply hold and spend it. When you need traditional EUR in your bank account, Solvo handles the SEPA transfer.

9:41
Convert
You convertBalance 62,300 EURC
1,200.00
EURC
You receiveSEPA · IBAN ••4471
€1,193.80
€
EUR
1 EURC = €1.00Stellar → SEPA
Conversion fee0.5% · €6.00
SEPA fee€0.20
Exchange rate1:1 fixed
Arrives1–2 business days
SettlementSEPA transfer
Home
Convert
Earn
Borrow

Your savings
earn real yield.

EURC and USDC in your Solvo wallet earn 5–7% APY through Blend Protocol — Stellar's native lending market. Yield accrues on-chain every second, with no lock-up.

9:41
Earn
Total earning
€42,180.50
Earning live · via Blend Protocol
Blended APY
5.9%
This month
+€318.40
Projected / yr
€3,840
€18,900 ready to earn
Idle EURC & USDC · 0% today
Your vaults
Tap to deposit or withdraw
Explore
EURC Vault
Low risk· €24,400 in
5.80%
APY
USDC Vault
Low risk· €11,000 in
6.40%
APY
XLM Pool
Medium risk· €6,800 in
3.90%
APY
Home
Convert
Earn
Borrow

Liquidity without
selling.

Borrow EURC or USDC against your holdings through Blend Protocol. No credit check, no paperwork, and you keep your crypto exposure intact. Repay when it suits you.

9:41
Borrow
Available to borrow
€34,200
of €54,000 borrow limit
Borrowed €19,80037% used
Health factor
2.40Healthy
Loan-to-value
37%of 80% max
Collateral · €44,790
Stellar
142,000 XLM
€28,140
50% LTV
USD Coin
18,000 USDC
€16,650
80% LTV
Outstanding loan
€19,800 EURC
APR
3.4%
Liquidation at XLM €0.119 · 40% below market
Home
Convert
Earn
Borrow

Your EURC,
on your card.

Order a virtual or physical Solvo card and pay anywhere major card networks are accepted. When you pay, EURC from your wallet is converted in real time — no top-up, no separate account, no manual transfers.

9:41
Card
Solvo
ULTRA
•••• •••• •••• 4921
CARDHOLDER
ALEX MERCER
EXP
08/29
Freeze
Limits
Details
Settings
Spent this monthof €5,000
€2,418.60
Recent
A
Aurora Coffee
Dining · 09:24
−€4.80
V
Verde Market
Groceries · Yesterday
−€62.40
N
Nova Rides
Transit · Mon
−€18.00

GET PAID LIKE A PRO

Your back office,down to one app.

Stop stitching together five tools to get paid and stay compliant. Solvo does invoicing, payments, yield, and tax reports in one flow.

Built for the way money moves now.

You earn from three countries and get paid in two currencies. Your savings account pays almost nothing. Solvo is one calm place where the money you earn lands instantly, grows on its own, and goes wherever you do.

Get paid Friday. Earning by Friday night.
No bank holidays. No pending. No borders.
The euros in your pocket, working as hard as you do.
Your money should not need permission.

One app, one ordinary Tuesday.

09:02

A client in New York pays your USD invoice. Funds are converted in the background, and USDC lands before your coffee cools.

09:05

You move part into Blend. It starts earning 5–7% before you close the app.

13:30

Lunch in Lisbon. Tap the Solvo card and EURC converts as you pay.

18:00

Rent is due at home. One SEPA transfer from the same balance.

No banks opened. No borders crossed. No money sat still.

GET PAID

Send a link. Get paid in seconds.

No more the wire is processing.

Share pay.solvo.app/yourname. Issue invoices in EUR or USD for global clients. They can pay via regular bank transfer or supported crypto, and Solvo converts in the background so you receive EURC or USDC on Stellar with a clean PDF invoice attached.

EUR/USD invoice + bank transfer or crypto → EURC/USDCInstant settlementPDF invoice included
WHY STELLAR

We picked the chain built to move money.

Stellar was built for fast, low-cost value transfer. That is why Solvo lives here.

Fast settlement, typically in seconds.
Faster than a typical card payment.
Near-zero fees
Fractions of a cent per transaction.
EURC & USDC native
No wrapping. No bridge gymnastics.
Carbon-neutral
A chain designed for efficiency.

Move funds to Stellar and start earning the same day.

Not a bank. Not an exchange. Not a DeFi maze.

Everything freelancers usually need four apps for, in one you actually own.

You hold the keys

Solvo

Yes

Bank

No

Exchange

No

Raw DeFi

Yes

5–7% yield, no lock-up

Solvo

Yes

Bank

No

Exchange

Sometimes

Raw DeFi

Yes

Get paid by link or invoice

Solvo

Yes

Bank

No

Exchange

No

Raw DeFi

No

Spend with a card

Solvo

Yes

Bank

Yes

Exchange

Sometimes

Raw DeFi

No

Automated tax report

Solvo

Yes

Bank

No

Exchange

Partial

Raw DeFi

No

Up and running in three minutes.

Create your wallet

Generate your self-custodial Stellar wallet and back up your recovery key.

Get funded

Share your payment link or transfer funds from a wallet, exchange, or another chain.

Put it to work

Earn 5–7%, spend with your card, borrow when needed, or convert to bank euros.

PEACE OF MIND

Serious security you never have to think about.

Self-custodial

Your key lives on your device only, secured by hardware.

Biometric lock

Face ID or fingerprint on every sensitive action.

On-chain transparency

Every position and payment is verifiable on Stellar.

No server-side signing

Our servers never hold, see, or touch your key.

Stop waiting on money that is already yours.

Instant settlement. No pending. No bank hours.

Earn in dollars. Save in euros. Spend anywhere.

One balance that speaks every currency.

The freelancer's unfair advantage.

Get paid faster, keep more, and let the rest earn while you sleep.

THE SOLVO CARD

Your EURC,on your card.

Order a virtual or physical Solvo card and pay anywhere major card networks are accepted. When you pay, EURC from your wallet is converted in real time — no top-up, no separate account, no manual transfers.

Real-time EURC conversion at the point of sale
Virtual card instantly · physical card to your door
Freeze, unfreeze, and set spending limits in-app
Get early access
Solvo

5413  88••  ••••  2240

CARDHOLDER

TAMAS PETHE

The freelancer's unfair advantage.

Get paid faster, keep more, and let the rest earn while you sleep.

Invoicing, yield, taxes —without the busywork.

Get paid, grow what you keep, borrow when cash flow's tight, and export a tax report in minutes. One app instead of four.

Self-custodial by design

Your private key is generated on your device and never leaves it. Solvo's servers never see it — you are the sole owner of your wallet.

Payment links & invoices

Create invoices in EUR or USD and share a payment link. Clients can pay via regular bank transfer or supported crypto, and Solvo converts in the background to EURC or USDC with a professional PDF invoice attached.

Earn & borrow

Earn 5–7% on EURC and USDC, or borrow against your holdings — all through Blend on Stellar.

Automated tax reports

Solvo reads your full Stellar transaction history and generates a ready-to-submit report. FIFO, LIFO, or average cost.

VAT Calculator

Automatically calculates and itemizes VAT on every invoice based on your client's country. The correct rate is applied as you create the invoice.

Tax Vault

When a payment arrives, Solvo sets aside a percentage you choose into a separate Tax Vault, earning 8% APY in Blend while it sits.

Late Payment Reminders

Solvo monitors invoices against incoming Stellar transactions. If a due date passes, your client gets an automatic reminder.

Proof of Income

Generate a verifiable income statement from Stellar transaction history in one tap, with entries backed by on-chain hashes.

Recurring Invoices

Set up a retainer once. Solvo re-issues invoices weekly, monthly, or on a custom schedule and notifies you when paid.

Client Book

Store client details, payment preferences, and invoice history in one place, then create repeat invoices in seconds.

Ready to get paidlike a pro?

Get early access
Free to startNo bank neededYour keys, your money

FAQ

Questions people ask before joining.

Short answers on invoices, conversion, fees, and custody.

Can I issue invoices in EUR or USD?+

Yes. Invoice in EUR or USD — your client pays via regular bank transfer, no crypto needed. It automatically arrives as EURC or USDC in your Solvo wallet.

What if my client pays in crypto?+

Send a payment link and your client can pay in supported crypto assets. Solvo converts in the background so you receive EURC or USDC.

Where do fees apply?+

Fees can apply to conversion, network settlement, and specific rails like cards or bank transfers. Solvo shows costs before you confirm a transaction.

Do I keep custody of my wallet?+

Yes. Solvo is self-custodial. Your keys are generated on your device and do not leave it.

Can I move funds to my bank account?+

Yes. When needed, you can convert and send funds to a bank account via SEPA-supported flows.