Money that belongs to the people who hold it.
Whales builds payment products on smart contracts and stablecoins. We started on TON in 2021; today our products are used in more than 100 countries.
A world where people and businesses use the digital dollar freely, without discrimination or limits.
We build the rails that make that possible: accounts that live on-chain, cards that spend from them anywhere, and transfers that settle in minutes. Our products keep control with the user. We only build the technology around it.
Transparency
We talk openly about the strengths and weaknesses of our products, processes and decisions.
Results
We judge real contribution and its impact on the product, not personal traits.
Ownership
We make decisions under uncertainty and take responsibility for shared results.
Collaboration
We work as one team, where each person's contribution strengthens the result.
Communication
We speed up processes, reduce friction and raise the quality of how we work together.
Whales, year by year.
From TON's first mining pool to a group of products that connect on-chain money to the payment networks people already use.
Launch on TON
Where our core philosophy began: decentralisation, transparency and user control over assets.
- Started building on the TON blockchain
- Launched the network's first and largest mining pool
- Built deep expertise in validator infrastructure
- Contributed to TON's early development
User infrastructure
Tonhub laid the foundation for mass self-custody in the TON ecosystem.
- Launched the Tonhub wallet
- Wrote the first staking smart contract on TON
- Launched the first staking pool on the network
- Scaled our validator infrastructure
The birth of Holders
We introduced the idea of a global digital account in a stable currency, with users in full control of their funds.
- Started building Holders
- Designed smart contracts that issue and manage payment cards
- Started working with Visa
Real-world fintech
Our products became a bridge between on-chain money and global payment networks.
- Launched on-chain accounts
- Built Holders into Tonhub
- Added USDT on TON
- Connected SEPA and SWIFT bank transfers
- Certified for Apple Pay and Google Pay
- Launched the first partner staking pools
- Started building the @Card Telegram bot
- Issued our first cards for Europe
- Approved by Visa to run cards on digital assets
Ecosystem scaling
Whales grew into a family of products for people and for businesses.
- Enabled account funding from multiple blockchains
- Developed vesting smart contracts
- Launched Post.Cash, our digital cheque service
- Started building AI into the Holders app
- Updated our business model and strengthened the team
- Launched institutional staking pools with Ledger and P2P
Simplification and growth
Our goal: make on-chain finance simple, accessible and ready for everyone.
- Building a systematic marketing function
- Expanding into new regions
- Launched gas-free transfers between accounts
- Made stablecoin payments as simple as a banking app
- Aiming for 300,000+ users across our key products
Eight countries.
One team.
Whales works close to the people who use our products. Our team and partners are spread across Europe, the Gulf and the Americas.
Switzerland
Our headquarters.
Czech Republic
Serving clients and partners across Europe.
United Arab Emirates
Our Dubai office, home to much of the team.
United Kingdom
Bringing our apps to app stores worldwide.
Cyprus
Scaling our products and app infrastructure.
United States
Working with clients and partners in the US.
Canada
Working with our international payment partners.
Uruguay
Supporting our work across Latin America.
See what we build.
Five products, one principle: your money stays under your control.