Paul Jan Reijn

Spout Finance is heading to Singapore 🇸🇬 Our Co-Founder and General Counsel @MrReijn will be joining @Taisu_Ventures’ The Future of Money & Payments on October 6 for a panel on the next generation of financial infrastructure. Our team will also be around for Token2049 week, connecting with founders, investors, builders, and teams across the ecosystem. If you’re in Singapore this week, come say hi. RSVP below ↓

In many lending pools, every lender gets the same risk profile and the same yield structure, regardless of how they want their capital positioned. On Spout Finance, lenders will have two positions to choose from: Senior for a more protected position with priority in yield distribution, or Junior for more risk and greater exposure to the remaining yield and more earning potential. Both positions are backed by the same underlying source of income, with a base yield on every deposit from the start. The difference is where you choose to sit in the risk and return structure.

Access to your own wealth shouldn’t depend on how much you have or how much you’re willing to give up. The way we’ve always experienced it isn’t the way it has to stay. Something better is on the horizon.

A different approach to onchain savings is almost here.

For years, only the wealthy could borrow against their portfolios. Then it opened to clients with the right private banking relationships. For many people, it was still too expensive, required large minimums, or simply wasn’t available where they lived. For everyone else? Selling was the only option. It’s time everyone got the tools the wealthy always had. Spout Beta is getting closer.

Stablecoins have become one of the biggest products in crypto. But what happens when they’re backed by real yield instead of incentives? Join us with @humafinance and @OpenEden_X as we unpack one of the biggest shifts happening in onchain finance. Date: July 27, 2026 Set a reminder below 👇

Big thank you to @SuperteamNL

Access to capital has never been equal, and much of that comes down to something nobody chooses: where they happen to live. In the US, borrowing against equities often means dealing with variable rates, broker requirements, and account structures that determine how much access you actually have. More flexible credit options exist, but they are usually designed for larger portfolios. Outside the US, the gap is even wider. For many investors holding global assets, using their portfolio to access cash without selling has historically been expensive, limited, or simply unavailable. For a huge part of the world, “borrow against your assets instead of selling them” was advice that quietly never applied to them. We’re introducing a different baseline at Spout. Your ZIP code shouldn’t determine whether your own assets can work for you. So we’re building it to work the same for everyone: borrowing at zero interest, with no minimum balance required to qualify, and available to anyone who passes KYC, whether you’re in New York, India, Korea, Japan, Nigeria, the Netherlands, or anywhere else. The same financial tool, available to the same people, at the same cost, regardless of where they happen to live. That’s the version of access we believe should have existed a long time ago.