Introducing 0 Pay: Spend Against Your Existing DeFi Portfolio

This blog details the post shared on X today:

Project 0@project0

> No new credit/debit cards > No new bank accounts > No selling your positions > No monthly credit bills > No giving up your yield > No moving your DeFi positions/protocols Say Yes to 0 Pay: one-click infra that connects to your on-chain portfolio, enabling you to pay IRL 🎉

2:04 PM · Feb 25, 2026 · 12.5K Views

23 Replies · 14 Reposts · 115 Likes

One of the most common frustrations in DeFi is the gap between an optimized portfolio and the expenses of day-to-day life. You’re earning yield, your portfolio is working, and then rent is due. So you sell, lose your position, and on top of that you have to pay taxes on the sale. Rinse and repeat, month over month.

It doesn’t have to work that way.

Today we’re launching Project 0 Pay, a new product that lets you cover real-world expenses using your DeFi portfolio as collateral, without ever selling your holdings or interrupting your yield.

Here’s how Pay works:

• Connect your existing bank account or credit card: No new cards, no new accounts. Pay tracks the purchase categories you designate within the Project 0 interface.

• Borrow at month-end, not at point of sale: At the end of each period, Pay automatically prepares a borrow against your multi-venue portfolio. You review it, approve it, and your expenses are covered.

• USDC borrowed is off-ramped automatically: Funds hit your bank account directly. Your on-chain credit stays open until you choose to repay it, all on your timeline.

• Your portfolio keeps working: Same positions, same yield, same exposure. Pay doesn’t require you to consolidate assets or give anything up.

We built Project 0 to bring prime brokerage infrastructure to DeFi. Along the way, we realized the same tools that let sophisticated traders manage unified margin across venues could do something more fundamental: let people use their DeFi portfolio the way they’d use a bank account.

Right now, most DeFi users keep cash off-chain just to handle everyday expenses. That cash earns nothing, and it means your on-chain portfolio is never truly working at full capacity.

Pay closes that loop. Your collateral stays on-chain earning yield while your bills get paid. There is no more “on-chain” or “off-chain”, just a unified pool of assets working at max efficiency.

Pay is the next step in our broader vision of making DeFi portfolios genuinely compatible with everyday financial life. Borrowing against your holdings to cover expenses is one piece of that. There’s more infrastructure to build, more use cases to unlock, and more venues to integrate.

If you’re already using Project 0, Pay is a natural extension of how your portfolio can work harder. If you’re new, this is a good time to see what unified margin can actually do.

Your portfolio is already working. Now it can pay your bills too.

Try 0 Pay today at app.0.xyz/pay