In the ever-evolving world of fintech, where buzzwords often outpace innovation, one stealthy startup is quietly gaining traction with a bold premise: your capital is more than just money—it’s digital energy. Meet Coyyn.com, a fresh-faced fintech founded in 2024 that’s aiming to radically reshape how consumers and small businesses store, move, and grow their financial assets. With a clean interface, crypto-native DNA, and a pitch deck that’s turning VCs’ heads, Coyyn brands itself as “the future of digital capital.” And, if its early traction is any indication, that tagline might not just be branding fluff.
The Visionaries Behind Coyyn
At the core of Coyyn are its two co-founders: Nadia Tran, a former Goldman Sachs VP turned blockchain evangelist, and Eliot Boseman, a self-taught coder who once ran payment infrastructure for Shopify. The duo met at a Web3 accelerator in Lisbon, where over pastel de nata and endless pitch nights, they realized they shared a frustration: why is managing your money—especially in the crypto age—still so clunky?
“Our thesis was simple,” Tran tells TechVerge. “Capital in 2025 is not just dollars and cents. It’s liquidity across assets—fiat, crypto, tokenized equity—and the ability to deploy it instantly. We wanted to build a platform where all of that lived in one elegant, secure place.”
Together, they sketched out the first version of Coyyn on a Miro board. Four months later, they had an MVP. Eight months after that, they had $12 million in seed funding led by Index Ventures, with participation from Variant Fund, a16z Crypto Scout Network, and angel checks from fintech notables like Plaid’s Zach Perret and Mercury’s Immad Akhund.
Coyyn’s Core Product: One Wallet to Rule Them All
So what is Coyyn, exactly? At a glance, it looks like a next-gen neobank—except smarter, more modular, and defi-aware.
The platform centers around a “smart wallet” that aggregates traditional banking features (FDIC-insured checking and savings accounts, debit cards, ACH transfers) with cutting-edge integrations: multi-chain crypto storage, yield farming protocols, and tokenized asset support (yes, you can hold fractionalized real estate next to your USDC). Everything is powered through one ultra-slick dashboard that updates in real time and uses AI to recommend yield strategies based on your liquidity profile.
On the backend, Coyyn leverages an in-house API layer—called CoyynConnect™—that ties into both traditional financial rails (Plaid, Yodlee) and decentralized finance protocols (Uniswap, Aave, and Lido, with more integrations on the roadmap). This hybrid architecture is what enables Coyyn’s killer feature: cross-asset liquidity deployment. In plain English? You can move money between fiat, crypto, and other asset classes with near-zero friction and minimal wait time.
“In most fintech stacks, your assets are siloed,” explains Boseman. “You’ve got your Chase account, your Coinbase wallet, your Robinhood portfolio—and good luck moving anything quickly. With Coyyn, everything is interoperable. Your capital becomes liquid in the truest sense.”
The Business Model: Freemium, with a Yield Twist
Coyyn operates on a freemium SaaS model. The basic smart wallet is free and includes up to five linked financial accounts, fiat and crypto custody, and limited monthly transfers. Power users (think freelancers, crypto traders, and DAOs) can upgrade to Coyyn Pro for $9.99/month, unlocking advanced features like auto-yield farming, multi-sig wallets, and AI-driven financial planning tools.
But the real monetization magic happens in the background: Coyyn takes a small cut of the yield it helps users generate, whether that’s from staking ETH, farming stablecoins, or participating in tokenized treasury markets. Think of it as the Robinhood-for-yield model—but transparent, opt-in, and far more decentralized.
Early user growth is promising. Coyyn reports 32,000 wallet signups in its first six months, with a 23% conversion rate to Pro. The average wallet holds $4,300 in combined assets, and more than 60% of users interact with both fiat and crypto instruments. That’s the kind of crossover adoption most neobanks would kill for.
Disrupting Traditional Banking—Without the Baggage
Coyyn isn’t trying to be a bank. That’s a conscious choice.
Instead of pursuing a full banking license (like Varo or SoFi), Coyyn partners with a licensed financial institution for its fiat services and focuses its own engineering muscle on protocol integrations and smart liquidity tooling. The result is faster go-to-market speed and less regulatory overhead—at least for now.
But that doesn’t mean Coyyn is flying under the radar. The company is actively engaging with FinCEN and the OCC around emerging standards for digital asset custody and cross-asset liquidity. Tran believes that thoughtful, proactive regulation will be key to Coyyn’s success in the long run.
“Look, we’re not here to do shadow banking,” she says. “But we are here to challenge the idea that your capital has to be trapped in legacy rails.”
Where Coyyn Goes From Here
The roadmap for Coyyn is ambitious. By the end of 2025, the team plans to launch Coyyn Vaults, a feature that lets users allocate capital into prebuilt, risk-adjusted strategies (think robo-advisors for multi-asset portfolios). They’re also beta testing Coyyn Collective, a DAO-inspired product for group capital deployment—ideal for investment clubs, startup syndicates, and even family offices.
On the infrastructure side, Coyyn wants to expand CoyynConnect into a white-labeled API for other fintechs, allowing them to plug into the same liquidity plumbing and smart asset routing Coyyn uses internally. “We’re essentially building a Stripe for capital flows,” says Boseman.
VCs are bullish. According to a source close to the company, Coyyn is already fielding Series A term sheets valuing the company north of $80 million. Not bad for a team that’s just getting started.
The Bottom Line
Coyyn.com isn’t just another neobank with a slick app and no moat. It’s building an entirely new paradigm: a world where your money—regardless of format—moves, grows, and works for you in real time, across any network. It’s DeFi without the jargon, fintech without the friction, and capital without borders.
If the 2010s were about digital wallets, the 2020s might just be about digital capital. And Coyyn wants to be the one holding the keys.