01
Deposit
Transfer wrapped xStocks to your vault. They lock as collateral and stay intact — never touched at checkout.
Tokenized stock spending account on X LayerMake tokenized stocks
Make tokenized stocks
your everyday spend.
One account for your tokenized stocks. Unlock spending power and pay anywhere — your positions never move.
How Avela
works.
Built on X Layer
02
Unlock
Uniswap V3 TWAP prices your portfolio, then a 50% haircut sets safe spending power.
03
Spend
Pay in stablecoin from the pre-funded reserve. The vault stays locked — no selling, ever.
04
Automate
Scoped agents spend within caps you set. Approve in WhatsApp — watchers guard the rest.
Products
Everything your portfolio can do.
One account for humans and AI agents — every surface scoped, receipted, and revocable.
SpendLive
Checkout from your stock portfolio.
Pay at any checkout from spending power backed by tokenized stocks. The reserve settles in stablecoin while your xStocks stay locked in the vault — no selling, no liquidation, no surprises.
PayLive
Send money to anyone.
Send stablecoin backed by your tokenized stocks to a name, not an address. Claim a username, share your link, and get paid in seconds — settled onchain, receipted automatically.
BorrowLive
Unlock cash against your stocks.
Your tokenized stocks set the limit. Pricing comes from the Uniswap V3 TWAP with a conservative haircut, so borrowing power moves with the market — and your positions never move at all.
AgentsLive
Give your agent a stock-backed allowance.
AI agents spend from your tokenized-stock portfolio within scoped permissions you define — per-transaction limits, asset restrictions, daily caps, always revocable. Built for humans and the agents working for them.
Avela CardComing soon
One card for your stock portfolio.
Spend anywhere cards are accepted, drawn from spending power backed by tokenized stocks. Join the list and get notified the moment cards ship.
Avela BusinessComing soon
Treasury that spends itself.
Team wallets with roles, approvals, and spending policies on top of tokenized-stock collateral. Avela Business is coming soon.
Platform
Built for intelligent spending
The account layer for people who live in their portfolio.
Spending power from your portfolio
Your tokenized stocks generate spending power. No selling, no liquidation — just spend.
Reserve settlement with onchain proof
Payments settle from the pre-funded stablecoin reserve via AvelaPaymentRouter. Positions stay locked in AvelaVault as collateral.
AI agent spending
Authorize agents to spend within scoped permissions. Per-transaction limits, asset restrictions, daily caps.
Approve payments via WhatsApp
Check balances, approve or reject payments, and get receipts — all from WhatsApp.
Watchers that act
Set alerts for when spending power drops below a threshold. Your account monitors itself.
Onchain receipts
Every payment settles onchain. Full settlement proof with transaction hash and block number.
The app
One account. Every way to use it.
Spending power, positions, and receipts in one place.
Supported assets
Five wrapped xStocks with verified Uniswap V3 liquidity on X Layer.
wSPYx$1.89M TVL
Wrapped S&P 500
USDG poolwQQQx$738K TVL
Wrapped Nasdaq-100
USDC poolwNVDAx$623K TVL
Wrapped NVIDIA
USDG poolwGOOGLx$400K+ TVL
Wrapped Alphabet
Uniswap V3 poolwAAPLx$400K+ TVL
Wrapped Apple
Uniswap V3 poolGlobal by default
Available globally.
One account on X Layer rails. Settle in USDG and USDC — no borders, no banking hours.
Americas
Europe
Asia
Africa
Oceania
NigeriaKenyaGhanaIndiaPhilippinesIndonesiaBrazilMexicoArgentinaColombia
United StatesUnited KingdomGermanyFranceCanadaAustraliaJapanSingaporeUAESouth Africa
Frequently
asked questions.
They stay locked in the AvelaVault contract as collateral. Payments settle from a pre-funded stablecoin reserve through the AvelaPaymentRouter, so your positions are never touched at checkout. A PositionLocked event with no matching PositionReleased event means the collateral never moved.
Spend from your portfolio.
Keep every share.
Hold tokenized stocks. Unlock spending power. Pay anywhere. No selling, ever.
Launch App