Project 0 launches a system to pay bills using DeFi as collateral.

• Project 0 enables lending using a DeFi portfolio.
• Users pay expenses without selling cryptocurrency.
• Liquidity in USDC integrated with bank accounts.

Project 0 announced the launch of Project 0 Pay, a feature that allows users to fund day-to-day expenses using their DeFi portfolios as collateral. The solution offers access to USDC liquidity without the need to sell cryptocurrencies or interrupt yield strategies.

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 below that connects to your on-chain portfolio, enabling you to pay IRL 🎉

— Project 0 (@project0)

With the new feature, users can connect credit cards and bank accounts directly to the platform. The system monitors spending throughout the month and, at the end of the period, automatically calculates a loan based on the amount and composition of the on-chain portfolio.

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If approved, the loan is disbursed in USDC and converted to fiat currency to cover expenses. The borrowed amount can be repaid in stablecoins at any time, offering flexibility in financial management.

“With Project 0 Pay, you no longer need to keep idle money outside the blockchain to pay bills. Your DeFi portfolio can start functioning more like a bank account, allowing you to hold long-term positions, earn income, and still fund your daily expenses quickly and efficiently.”

said MacBrennan Peet, founder of Project 0.

The feature also allows for customization, giving the user control over which types of expenses will be covered by on-chain funds. The goal is to transform the DeFi portfolio into a continuous source of liquidity, while maintaining exposure to assets and their potential for appreciation.

Project 0 presents itself as a prime, permissionless, DeFi brokerage focused on providing financial infrastructure for sophisticated users. The platform operates on the Solana network and utilizes features such as unified margin and credit to consolidate diverse positions into a single collateral.

This model allows portfolios distributed across multiple protocols to be treated as an integrated portfolio, increasing efficiency in accessing loans. The approach replicates common services in the traditional financial market, where clients use their investments as collateral to obtain liquidity without liquidating positions.

“We founded Project 0 to bring the first prime exchange to DeFi, but we quickly realized that the infrastructure we built could enable something broader: using your DeFi portfolio to fund your day-to-day expenses.”

said Peet.

With the integration of stablecoins, bank accounts, and cryptocurrency-based credit, the initiative reinforces the trend of convergence between decentralized finance and everyday financial services.