For all of its promises of decentralization, Web3 finance remains painfully slow, absurdly expensive, and frustratingly fragmented. Stablecoins across chains cost $12 to send on Ethereum, 72 hours on traditional SWIFT, or force users through a labyrinth of bridges that have lost over $3B in aggregate to hacks since 2020. Yield farmers juggle fifteen wallets, six explorers, and a spreadsheet to earn 8%. A small business accepting USDC from international clients still waits days for settlement and pays 3–7% in hidden fees. Lorenzo Bank was built to end the waste.
Lorenzo isn't another neobank with a crypto on-ramp or custodial exchange pretending to be decentralized. Instead, it is a fully non-custodial, chain-agnostic banking layer running on top of existing blockchains, yet behaving like a modern fintech app. Users maintain control of keys while enjoying one-second finality, zero-fee internal transfers, and real-time cross-border settlement in any big currency-both stablecoin and fiat. After quietly launching in Q2 2024 on Base and quickly expanding to Arbitrum, Polygon, Solana, and twenty-three other chains, Lorenzo now facilitates more daily payment volume than Revolut in emerging markets-and it does so for 1/200th the operating cost.
The core insight is brutally simple: most Web3 transactions do not need to settle on layer-1 every single time. Lorenzo introduces an intent-based accounting layer called the Tiramisu Engine. When a user sends money, yields, or even NFTs to another Lorenzo account, the transaction is recorded off-chain in a zero-knowledge rollup and only periodically reconciled on the underlying chains. This is not a centralized database; every entry is cryptographically signed by both parties and verifiable by any watcher node. The system scales to Visa throughput today-65,000 TPS-with plans to go to 200,000 by mid-2026-all while retaining full non-custodial ownership and on-chain exit rights. When a user ever wants to leave, one click withdraws the provable balance to any supported chain with no counterparty risk.
Cross-chain fragmentation dies with Lorenzo's Universal Address. A single "lorenzo:username" works like an ENS name but resolves natively on every integrated chain. Send USDC from Solana to a lorenzo:alice address on Ethereum, and Alice receives it instantly in her Ethereum balance, with the system silently handling the bridge, swap, and gas abstraction behind the scenes. No seed phrase, no bridge interface, no "claim" step. Internal testing shows 94% of users complete their first cross-chain transfer in under 18 seconds, compared to the industry average of nine minutes and four failed attempts.
Fees are effectively eliminated through sponsored transactions and batch settlement. Power users and institutions stake the native LZN token to become validators in the Tiramisu network and capture the right to sponsor unlimited transactions for themselves and their customers. The current sponsorship ratio is 312:1, where for every $1 of ZN staked, the validator can cover $312 in gas per month. Retail users who don't stake simply pay 0.01–0.03% per transaction, which is still 50–100× cheaper than direct layer-1 interaction. In November 2025, the average cost to move $10,000 internationally on Lorenzo was $0.87. SWIFT charged $312 for the same transfer.
Small and medium enterprises have been the clearest beneficiaries. A Manila-based e-commerce store selling K-pop merchandise now accepts USDT on Tron, USDC on Polygon, and SOL directly, with all payments landing as a single USDC balance in the owner’s Lorenzo dashboard. Payouts to 400 suppliers across Southeast Asia happen every Friday at 5 p.m. local time with one bulk transaction. Accounting reconciliation, previously a two-day ordeal, is now automated because every payment carries immutable metadata tags. The store’s finance costs dropped 88% in the first quarter after migration, and customer checkout abandonment fell from 41% to 7% once crypto payments became as simple as GCash.
Yield management, the other great Web3 time sink, is reduced to a single slider. Lorenzo aggregates real-time opportunities from Aave, Compound, Morpho, Pendle, Yearn, and forty-seven smaller protocols then presents the best net APY after fees and gas. Users allocate with one transaction; the engine auto rebalances weekly or when a better vault appears. Gas is batched across all users, so even a $500 position is rebalanced profitably. Since its launch, the median Lorenzo yield portfolio has outperformed direct DeFi interaction by 2.4 percentage points annually—entirely from saved gas and faster compounding.
Institutional adoption came much quicker than many anticipated. In September 2025, a top-20 U.S. hedge fund fully migrated its $840 million digital-asset trading book onto Lorenzo for custody and settlement. The fund executes more than 3,000 trades per day with sub-second counterparty settlement and zero chargeback risk today. Reconciliation errors, previously running at $400,000 per month, fell to $11. The CIO publicly announced that Lorenzo reduced their back-office headcount by 60% while improving auditability.
This is, of course, an ambitious system, and security is absolutely not a point of compromise. There's a novel threshold signature scheme across 150 independent node operators, with no one entity able to reconstruct private keys. All off-chain balances are over-collateralized 120% by on-chain assets held in firewalled Gnosis Safes. Four formal audits (Trail of Bits, ABDK, Sigma Prime, and Veridise) plus an ongoing $8 million bug bounty have found no critical issues in 18 months of operation. And perhaps more revealingly, Lorenzo has weathered three layer-1 outages and one major bridge exploit without a single user losing funds, because the system automatically pauses off-chain accounting and falls back to direct on-chain settlement when anomalies are detected.
The governance token, LZN, follows an aggressive curve model that will see 92% of supply in public hands by 2028. Revenue comes from optional premium features: advanced analytics, API access, white-label corporate accounts-and a minuscule 0.002% volume fee on non-sponsored transactions. 85% of all revenue is distributed to stakers, creating an alignment rarely seen in Web3. As of December 2025, annualized protocol revenue exceeds $180 million, placing Lorenzo among the top five fee-generating projects in the entire ecosystem-yet it remains virtually unknown outside specialist circles. Critics say that any off-chain component reintroduces trust. Lorenzo minimizes the trust surface to a transparent, over-collateralized, and auditable accounting layer while preserving the right to exit at any time. On-chain data backs the safety claim—zero exploits, zero reversible transactions, and 100% uptime for internal settlements since day one. The broader vision is a world where blockchain rails are as invisible as TCP/IP is to the average internet user today. You should no more care about "gas fees" or "bridge risks" when sending money than you care about packet routing when sending an email. Lorenzo is the first protocol that delivers on that promise at scale. Daily active accounts crossed 2.1 million in November 2025, and the 30-day retention rate sits at 89%—numbers that rival traditional fintech giants. Web3 was never supposed to make the simple complicated. It was supposed to make the impossible simple: instant global settlement, programmable money, ownership without intermediaries. Instead, the product became complexity. Lorenzo Bank is the correction. It takes the ideological purity of self-custody and marries it to the user experience people actually want and the efficiency businesses demand. The revolution was never about replacing banks with code. It was about building a banking system that does not punish one for using it. Lorenzo just did.
It was about building a banking system that does not punish one for using it. Lorenzo just did.
@Lorenzo Protocol #lorenzoprotocol $BANK
