Plocca is a mobile-first DeFi savings and payments app that helps everyday people earn real yield and use stablecoins in daily life — without complexity, fees, or custody risks. We’re making the benefits of crypto-native finance accessible to savers, small business owners, and underbanked users by building on top of open protocols, starting with USDC.
Our flagship product allows users to deposit digital dollars into curated, onchain yield strategies from top Base-native DeFi protocols like Aave, Morpho, and others. We aggregate these vaults behind a clean interface, making it simple for users to earn 5–7% APY on their savings — without needing to understand gas fees, liquidity pools, or DeFi mechanics. Funds remain non-custodial and fully liquid, with real-time tracking and transparent onchain performance.
Beyond savings, Plocca is building a social payments layer where users can send and receive digital dollars with friends — a seamless, Venmo-like experience built on open rails. For small businesses, creators, and local merchants, we’re developing zero-fee USDC payment acceptance, allowing them to skip the 2–3% card processing fees and access instant, borderless settlement. This is especially valuable in low-margin industries and underserved regions.
Our mission is to become the Venmo of DeFi — where anyone can save, earn, and spend money freely, using stablecoins like USDC and open DeFi rails on Base.
Users can deposit digital dollars into curated DeFi vaults on Base, powered by protocols like Aave and Morpho. With just a few taps, users can earn 5–7% APY — far better than traditional banks — all while keeping full control of their funds. There are no lockups, no confusing tokens, and no middlemen.
Coffee shops, food trucks, and independent merchants can accept digital dollars directly from customers — with no card networks or processing fees. Payments settle instantly on Base, cutting costs and improving margins. Business owners can also earn yield on idle digital dollars instead of leaving funds in a checking account.
Users can send and receive digital dollars instantly - just like Venmo but without fees or banks. Whether splitting a bill, paying rent, or gifting money, Plocca makes it fast, free, and borderless using stablecoins on Base. Transactions are secure, transparent, and fully onchain.
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