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We built Facto because we kept running into the same friction: you have stablecoins earning yield in a lending position, you want to spend it, and the first thing you have to do is stop it from earning.
Withdraw. Wait. Top up your card. Then spend. Every single time.
Nobody designed this to be painful. It's just what happens when two separate systems — lending protocols and crypto cards — were never connected.
Facto connects them. You authorize once, and from that point your position keeps earning until the exact second you swipe. No manual transfers. No idle capital sitting in a card balance going nowhere.
We're early — this is a waitlist launch, not a full product release. What we're looking for right now is people who've felt this friction and want to be part of figuring out what comes next.
If you've ever abandoned a purchase because topping up was too much hassle, we'd genuinely love to hear from you. Drop a comment or hit the waitlist — we read everything.
