ShredPay Unifies DeFi’s Fragmented Landscape with a Single On-Chain Platform and Risk Rating System
San Francisco, US, March 11th, 2026, Chainwire
Non-custodial infrastructure and proprietary protocol ratings target U.S. retail and institutional users deterred by complexity and opacity
ShredPay today launched a comprehensive blockchain finance platform designed to solve the industry’s mass market adoption problem. The current market offerings in decentralized finance are segmented and include no transparent risk information, making mainstream adoption difficult. ShredPay provides an uncomplicated, easily accessible on-chain finance platform with clear risk ratings for DeFi protocols that help new users understand those products, bringing DeFi to the audiences who have stayed away due to a lack of clarity.
Founded by former legal, policy, and product leaders from major global digital asset exchanges, ShredPay offers non-custodial access to DeFi direct-to-consumer as well as through a white-label infrastructure solution for traditional financial institutions—positioning itself to bring transparency to decentralized finance, allowing the acceleration of adoption by customers who have shied away from blockchain products in the past.
Proprietary Comprehensive Risk Rating System built into the Platform
Central to the platform is the ShredPay DeFi Ratings Index, which the company describes as one of the industry’s first comprehensive risk rating frameworks for DeFi protocols. The Index evaluates protocols across smart contract security, liquidity depth, operational transparency, compliance, governance structure, and historical performance—providing users with standardized risk assessment comparable to traditional credit ratings.
“DeFi seems opaque, but it’s not about the technology—it’s about information asymmetry,” said Mauricio Beugelmans, CEO and co-founder, former chief legal officer at a top-five global exchange. “Users often can’t easily distinguish between battle-tested protocols and exit scams. The ShredPay DeFi Ratings Index solves that by making risk transparent and comparable.”
“Crypto natives already know how to assess protocol risk—they read audits, track TVL, monitor governance,” said Peter Chang, CTO and co-founder. “We’re packaging that institutional-grade due diligence into a format that works for mainstream users. It expands the addressable market for every protocol we rate.”
The ratings are prepared independently and are updated on a regular cadence and applied to every yield product available on the platform, giving retail users, crypto natives, and institutional allocators a consistent framework for protocol evaluation.
Non-Custodial Infrastructure Built for Scale
ShredPay’s architecture maintains DeFi’s permissionless ethos while adding the transparency layer that enables broader adoption. The platform offers non-custodial digital wallets, USD-to-stablecoin conversion, access to major cryptocurrencies, vetted DeFi yield products, and stablecoin payment rails—built with institutional-grade security and operational standards.
Critically, users maintain custody of their assets throughout. ShredPay operates as an interface and information layer, not a custodian—preserving the “not your keys, not your assets” principle that remains fundamental to crypto.
For traditional financial institutions, ShredPay provides white-label solutions that allow banks, credit unions, broker-dealers, and RIAs to offer fully-compliant blockchain services to clients without building proprietary systems—creating an onramp for institutional capital into protocols built by the crypto-native community.
“The next wave of capital into DeFi will come from allocators and institutions whose customers are looking for a way to invest in and utilize digital assets. These institutions need end-to-end compliance and transparent risk frameworks,” said Melissa Muehlfeld, president and co-founder. “We built the infrastructure to bring them in without compromising DeFi’s core innovations: permissionless access, transparent execution, and user custody.”
Bridging Crypto-Native Builders and Institutional Capital
ShredPay’s launch timing reflects shifting dynamics in digital assets. With renewed capital discipline, allocators are moving toward yield-generating products with measurable risk profiles and transparent operations. Meanwhile, DeFi protocols have matured significantly—with billions in TVL, years of operational history, and increasingly sophisticated risk management.
The platform targets three user segments: retail investors entering DeFi for the first time, crypto-native users seeking better protocol information or a simple solution for entry, and financial advisors, allocators, and institutions exploring fully-compliant blockchain exposure for clients.
Unlike platforms built exclusively for crypto natives or exclusively for institutions, ShredPay’s design assumes users across the spectrum—from DeFi veterans to first-time participants—benefit from transparent risk information and standardized evaluation frameworks.
Evolution, Not Replacement
The founding team’s thesis focuses on integration rather than disruption. Rather than positioning blockchain as a replacement for traditional finance, ShredPay argues on-chain transactions and decentralized protocols will achieve scale by demonstrating operational maturity and transparent risk management.
“Blockchain’s killer app isn’t replacing banks—it’s making finance faster, more transparent, and more accessible,” Beugelmans said. “Stablecoins move dollars in milliseconds. DeFi provides competition on speed and transparency. ShredPay builds the trust layer that accelerates that future.”
The platform’s approach emphasizes protocol quality over quantity, information transparency over curation, and user empowerment through better data rather than gatekeeping through restrictions.
2026 Roadmap and Availability
ShredPay’s March launch represents phase one. The company plans to expand ShredPay DeFi Ratings Index coverage to additional protocols and roll out institutional integrations throughout 2026.
The platform is now live and can be downloaded from the Apple and Google App stores, which can also be accessed through shredpay.xyz, with both retail and institutional access available at launch.
About ShredPay
ShredPay is a blockchain finance platform for retail users and financial institutions. The platform offers access to stablecoins, non-custodial wallets, buy/sell select cryptocurrencies, payments, and the ShredPay DeFi Ratings Index for protocol risk assessment. For more information, users can visit www.shredpay.xyz.