Quick take

Pairs, formerly Fideum and before that blockbank, is a crypto banking super app that combines CeFi, DeFi, and traditional banking features in one account. It pays interest on crypto deposits. Pairs was founded in 2018, is based in Gibraltar, and lists availability in the US and worldwide.

How earning works

Deposits earn interest inside the app, and yield is not compounded. The catch is the token: meaningful rates require holding the platform's own token, PAIRS. Beyond that, the product documents very little about its earn mechanics. Which assets earn at any given time, how the yield is generated, and the payout schedule are not set out on the public pages, so they need confirming inside the app before you rely on them.

Rates, fees, and requirements

Current rates are in the table, and they vary with market conditions. Before depositing, check how much PAIRS you need to hold for the better rates, because the headline figures assume that holding. Fee and payout details are thin in the public material; confirm them in the app.

Custody and key risks

Pairs is custodial. You rely on Pairs and its custodians for access to your assets, which introduces custody and counterparty risk. Product returns and withdrawal conditions can change, and borrowing features can introduce liquidation risk. Confirm the product's insurance scope directly; crypto earn products are not insured bank deposits. The two rebrands (blockbank, then Fideum, now Pairs) are part of the track record to weigh.

Related features

The pitch is breadth: crypto deposits, DeFi access, and banking-style features in a single app rather than separate accounts. A small sign-up bonus is offered on new accounts.

Best for

Best for users who want banking features and crypto earning in one app, and who are willing to hold the PAIRS token to reach the meaningful rates. Anyone who needs documented earn terms before depositing will find the public material too thin.