Illustrative Flex 5.25% APY*30-day 7.80% APY*90-day 11.50% APY* Variable and not guaranteed. See rates and terms

Banking, with the lights on

Money that moves like a message and earns like a vault.

Send to an @name in seconds, spend with a card you can freeze in one tap, and put idle cash to work in transparent, term-based vaults.

Open an account See how vaults work

Illustrative. Vault yields are variable, not guaranteed, and may carry risk of loss. Locked vaults may restrict early withdrawal. Read the vault terms.

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Flex Vault · withdraw any timeIllustrative

5.25% APY*

$10,000 after 12 months≈ $10,525
Minimum$50
CompoundingDaily
RiskSee vault terms

We built Vespermont for people who want their money to be fast, legible and honest about its risks. Fewer promises, more of the working shown.

How we think

Who it is for

Pick the account that fits how you work.

Two hands holding smartphones together to make a contactless payment at a shop counter

Personal

One balance, an @name handle and a card you can freeze. The everyday parts are quick and the serious parts are plainly written.

Explore personal accounts
Barista steaming milk at an espresso machine in a street-front coffee shop

Business

A clear home for a small team's operating cash. Business features are earlier than personal ones, and we say so.

Explore business accounts
Older couple sitting on a sofa at home reviewing household bills and finances

Savings and staking

Compare the three vaults side by side.

Flex keeps your money available. The 30-day and 90-day vaults trade access for a higher variable rate. Model your own numbers before you decide.

Open the calculator Read vault terms

Illustrative rates, variable and not guaranteed. Locked vaults restrict early withdrawal.

  • Flex Vault5.25% APY*
  • 30-day Vault7.80% APY*
  • 90-day Vault11.50% APY*

What you can do

Four ways in, one account behind them.

3

Vaults, one clear page each

Flex, 30-day and 90-day. Each lists its lock, minimum and risk before you fund it.

Daily

Compounding, shown in the math

The calculator on our savings page uses the same daily formula so you can check the work.

@name

One handle, no account numbers to share

Pick a handle once. People pay you by name instead of copying digits.

Customer stories

We have not launched, so there are no customer quotes or counts here. When real ones exist and the customer has agreed, they will appear with their source.

Vespermont Card

Spend from your balance. Freeze it in one tap.

The card draws on your balance, shows its details only when you ask, and stops the moment you freeze it. Fees, limits and regions are published before launch.

About the card

Hand holding a plain blank payment card against a card terminal on an orange surface

Stock photograph for illustration. It is not the Vespermont Card.

Community

Built in conversation, not behind glass.

We are early, and the product should reflect what people actually need from their money. Tell us where it falls short and we will tell you what we change.

Share feedback

Product notes by email

Occasional updates when something real ships. No filler.

Signup opens soon.

Get started

Open an account in a few minutes.

Create your @name, add money when you are ready, and read every term before you commit.

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