Commerce · alternatives · 2026
24 alternatives to Phoenix Funding
Phoenix Funding runs on your own Windows PC and manages funding offers on your Bitfinex account. Lending only: no trading, no leverage, no withdrawals. Your key stays encrypted on your machine. One-time purchase, not a subscription.
Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.
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Ray▲293I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
Apr 2026 · rayfinance.app · its alternatives →
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- 3DP
Hey HN! My name's Nadav Hollander, and I'm the Founder of Dharma. Dharma is building an open-source library that makes it really easy to programatically borrow and lend cryptocurrencies using smart contracts on the Ethereum blockchain. Today we're launching our Alpha Testnet release -- a command line tool that allows you to 1. Access a line of cryptocurrency credit from the command line in under 5 minutes 2. Easily build a bot that auto-invests in loans under hyper-customizable, programmable criteria Check it out: https://github.com/dharmaprotocol/dharma-cli Why I Think…
2017 · its alternatives →
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Soon▲86Reimburse your spending w/ crypto gains, powered by OpenAI
2023 · soon.app · its alternatives →
- 5AT
Hi there. I built a company that makes algorithmic trading strategies for its users to invest with. --> https://justfor.fund Advice and feedback are very much welcomed! Disclaimer: New born business with its first beta version (12 users) currently live. Details: - I'm the sole developer and founder - I applied to YC S22 batch on the last day - Currently facing a big KYC compliance wall (code and protocols) - My priority right now is obtaining funds to cover minimal operational cost's. Need to pay for broker partnership costs too. - I have essentially no funds to cover cost's right…
2022 · justfor.fund · its alternatives →
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USDC to Bank▲113Go from crypto to fiat in your bank, in minutes
2023 · pipes.tech · its alternatives →
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Invest in algo-driven, automatically rebalanced portfolios built by quants. Congressional trades, AI stocks, leveraged strategies and more. Start with $50.
2021 · getquantbase.com · its alternatives →
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Coinseed Savings▲108Invest your spare change in crypto and earn interest
2020 · coinseed.co · its alternatives →
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Coinlend▲65The lending bot for Bitfinex, Poloniex and Liquid
2019 · coinlend.org · its alternatives →
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Nuo Lend▲71Lend and borrow crypto currencies transparently
2018 · lend.getnuo.com · its alternatives →
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delegare▲70Hi guys, am building SecureLend.ai and when working on our underwriting agents (free trial, paid after) I had issues with seamless payment options. Of course I looked at x402 which I believe is a great protocol but not a fan of a) sharing private keys with the agent b) having a human in the loop or c) similar workaround e.g. pre-funded wallets So I started building out a solution. For my use case it was important to not only have stablecoins but also a fiat rail which is now implemented using Stripe. Initially I build a mandate system internally but am very glad and big shoutout to the guys…
Apr 2026 · delegare.dev · its alternatives →
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MintLocke▲69Autopilot for your crypto and tokenized portfolio
Apr 2026 · mintlocke.com · its alternatives →
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Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…
Nov 2025 · whisper.money · its alternatives →
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I am building a simple donation platform where creators can accept tips in crypto — kind of like “Buy Me a Coffee,” but Web3-native. No signups required for supporters. Just share your donation page and anyone can send MATIC, ETH, or any ERC-20 token directly to your wallet. It’s gas-efficient and built on Polygon. Each creator gets a customizable page with a short URL and optional message board. Everything is non-custodial — you own your keys and your funds.
2025 · fundhog.bunnylabs.dev · its alternatives →
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Hi HN! Ben here from hyprsqrl, and I just open-sourced something we’ve been quietly running in production: *hyprsqrl is a self-hostable bank. Think Revolut (if you know it), but every line of code is MIT/AGPL, you can run it on your own box, and the crypto bits stay hidden under the hood. --- ### Why we built it Moving money between USD and EUR still means wire fees, surprise freezes, and “call your bank” hoops. Fintechs like Revolut help—until their pricing changes or a regulator knocks. hyprsqrl aims for the resilience of self-hosting *without* forcing users to study crypto. Two…
2025 · github.com · its alternatives →
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Borrow against your Bitcoin. Best rate, no KYC, self-custody
Jul 2026 · satsterminal.com · its alternatives →
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VaultLeapfree tier, from $14.99/mo▲10I'm Greg, co-founder of VaultLeap. Built this for founders who can't get a US bank account. USD/EUR/MXN accounts with real ACH routing numbers and we have Visa cards coming soon. If you've been cut off from Mercury or similar recently, DM me — happy to help some founders out.
2025 · vaultleap.com · its alternatives →
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1MB.IO▲141MB is the smartest way to reclaim the value of your data without changing how you use the web. Install the extension, browse as usual, and get real rewards for real data powering the AI economy.
Apr 2026 · 1mb.io · its alternatives →
- 22IM
It's at http://finkin.com. The goal is to allow a developer to sign up in seconds, and within minutes begin querying data. It runs under https and stores no access information. From http://news.ycombinator.com/item?id=1431583, I realized that all those types of sites are not tailored to developers like the other simple APIs around the web are (i.e. flickr). I made mine as simple as I thought possible. From http://news.ycombinator.com/item?id=1676458, I realized that eventually it should be a scalable model where you pay pennies per the # of requests you make. Right now it supports many…
2010 · finkin.com. · its alternatives →
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Fully secured fiat and crypto lending.
2019 · myconstant.com · its alternatives →
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Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →