Welcome to Every

Every is an app for your money. You have one balance, and from it you pay other people, save and invest. On the surface it works like a banking app: one figure, a few buttons and your activity. Underneath, the money sits in your own wallet and works on Hyperliquid and Morpho.

These pages explain each part of the app: what it does, how to use it step by step and why it works the way it does. If this is your first time, start with the quick start.

What you can do

MoneyAdd USDC, send money to someone by their @name or to an address, and take out whatever you like.

InvestSpot, perps, and stocks, gold or indices as HIP-3 perps, all on Hyperliquid and from the same balance.

SavingsLet the money you are not using earn in Morpho's USDC vault or in Hyperliquid's.

PredictionsBuy Yes or No on what happens next: elections, sports, the economy or crypto.

RewardsYour VIP level lowers what you pay on perps, and your referrals earn you a share of what they pay.

PricingWhat Every charges for each thing, and what it doesn't.

How it differs from a bank and from an exchange

Every feels like a bank in how you use it, and like an exchange in what you can do. But the money is not where either of them keeps it.

	A bank	A centralised exchange	Every
Where your money is	In the bank’s account	In the exchange’s accounts	In your own wallet, on Hyperliquid or in a Morpho vault, always in your name
Who can move it	The bank	The exchange	Only you: your phone signs every move
Who can freeze it	The bank	The exchange	Nobody at Every
What you can do with it	Pay and save	Buy and sell	Pay, save, invest and predict, from the same balance
Deposit insurance	Yes, up to a limit	Depends on the exchange	No. It is not a bank deposit

What that means in practice:

• Your money is yours, and so is the responsibility. Every cannot move it, freeze it or reverse a transaction that has gone through. Money sent to a wrong address is lost, and money that arrives on a network or in a coin the app does not accept may be lost. How it works underneath is in How Every works.
• You don’t move money between accounts. When you buy, save or send, the app gathers the money from wherever it is. You only see one balance.
• Everything is in USDC today, a digital dollar. There is no IBAN and no bank transfer, and the card does not exist yet: the app only shows “Coming soon”.

Every is in beta

The app is not on the App Store or Google Play yet, and some things change from one version to the next. These pages describe what the app does today. Whatever puts your money at risk is explained on each page and in Risks.

Where to start

1. Quick start: from installing the app to your first buy, your first savings and your first send.
2. Create your account: sign-up screen by screen, your @name and the six-digit code.
3. Account security: what to do if you lose your phone or your code, and what Every will never ask you for.
4. How Every works: where your money lives and why Every cannot touch it.
5. Glossary: what each word in the app means.

If you have a specific question, look at the FAQ. And if it is not there, write to us.

On your phone and on the web

The phone app is the whole of Every, in Spanish and English. The web is a Hyperliquid-style trading app, in English, on the same account: you sign in with the same email, Google or Apple and see the same money. On perps, trading from the web costs less; it is all in Fees.