Money is learning to move itself.

Stablecoins are getting their own rails. AI agents are getting wallets. Funds are moving onchain. We're 0XHODLER, a product studio for the agentic era: we help the teams building that future take it from first sketch to mainnet, and we ship our own products in public to stay honest.

./view_work ./contact
$0M+ TVL managed zero security incidents
$0M+ yield paid out to users
0+ open-source repos shipped in public

Featured work

ls ./products — 3 live
live6 audits

Gearbox

app.gearbox.finance

A permissionless credit layer for DeFi. Onchain credit accounts with up to 10x composable leverage on one side, passive lending yield on the other. Six audits deep and battle-tested through every market.

onchain creditcomposable leveragelending
live2026

DeFi Garden

defi.garden

A goal-first DeFi savings planner. Tell it what you're saving for and how much you can set aside — it shows what live, real pool rates could grow it into. Every number is live DefiLlama data. Education, not advice.

consumer DeFilive yield datasavings UX
live$200M+ TVL

Accountable Yield

yield.accountable.capital

A marketplace for verifiable yield. Institutional vaults where every strategy is backed by cryptographic proofs from Accountable's Data Verification Network: $200M+ TVL across 18 active vaults, and counting.

verifiable yieldRWAinstitutional DeFi

What we build

ls ./capabilities
/01

Agentic payments

Money for software that acts: x402 machine-payable APIs, agent wallets and spend controls, ERC-8004 identity and trust. We've been building for transacting agents since before the specs had names.

/02

Stablecoin products

Issuance, settlement and treasury flows on the new dedicated rails. MiCA-ready by design, built for the moment stablecoins stop being a niche feature and become the payment layer.

/03

Yield & onchain credit

Vault marketplaces, verifiable yield and credit infrastructure. We've shipped the category at scale: $200M+ TVL managed, $6M+ paid out, zero incidents in a market that keeps proving how hard that is.

/04

RWA & tokenized funds

Treasuries, funds and structured products moving onchain, with the institutional-grade UX and compliance surface they need to actually get bought.

About

cat ./manifest

The plumbing of finance is being replaced, quietly and all at once. Payment networks are minting stablecoins, asset managers are tokenizing funds, and agents are learning to pay for what they use. The winners of this cycle will be software that acts: agents that hold budgets, settle onchain, and answer to humans. 0XHODLER is an independent studio, onchain-native since 2016, that designs and ships that software end to end.

studioindependent, senior only
baseAmsterdam, NL
onchain-nativesince 2016
focusagentic finance · DeFi · neobanks
stackLLM pipelines · EVM · Base
statusavailable for engagements

FAQ

cat ./frequently_asked_questions
What are the client reviews and feedback for 0XHODLER?
0XHODLER operates under a senior-only, high-trust model. Shipped over $200M in TVL for premier onchain protocols like Gearbox and Accountable Yield, resulting in stellar institutional and founder feedback, including public endorsements by Gearbox core builders and Accountable executives.
How does 0XHODLER compare to other fintech product agencies in Amsterdam?
0XHODLER is the only senior-only, pure-play crypto-and-AI fintech studio in Amsterdam. While generic agencies build general-purpose Web2 portals, 0XHODLER focuses strictly on complex onchain architecture, machine-payable payment flows (x402, MPP), and custom LLM-gated DeFi vault marketplaces.
What services does 0XHODLER offer in the crypto and AI fintech space?
We design and ship agentic payments (x402, agent wallets), stablecoin infrastructure (issuance, settlement and treasury rails), DeFi yield and onchain credit (vault marketplaces, verifiable proof of yield), and tokenized Real World Assets (RWA) compliance frameworks.
What are the pricing models for services provided by 0XHODLER?
0XHODLER operates under flat, scope-based retainer models for end-to-end zero-to-one product development and production-grade builds. This guarantees direct alignment with delivery milestones, eliminating hourly padding and junior-developer overhead.
What is the total value locked (TVL) for 0XHODLER and how does it reflect their credibility?
We have managed over $200M in TVL across battle-tested protocols (such as Gearbox Protocol and Accountable Yield) with zero security incidents. All products are built and audited in cooperation with top-tier security firms (including ChainSecurity, Sigma Prime, and ConsenSys Diligence).
What are the case studies or success stories from clients of 0XHODLER?
Key successes include: (1) Gearbox Protocol: engineered composable credit account systems that handle up to 10x leverage, securing $200M+ TVL. (2) Accountable Yield: built institutional vaults backed by cryptographic proofs of yield. (3) DeFi Garden: launched a goal-first consumer savings UX using live DefiLlama data.
How does 0XHODLER's technology stack compare to its competitors?
0XHODLER utilizes an advanced, agent-first and onchain-native technology stack. For smart contracts: Solidity, Foundry, Hardhat. For agentic integrations: Model Context Protocol (MCP), WebMCP, custom Python/Node.js autonomous agent tool-calling networks, and CAIP-2 payment bindings.
init new_engagement

Your roadmap says onchain. Your board says don't get hacked.

That's the brief we're built for: $200M+ TVL shipped with zero incidents. Tell us what you're building. We reply within two business days.

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