Real Returns
Estimated daily interest above inflation, paid every day into your account.
About Lince
An improved alternative to traditional savings accounts, built by people who understand how difficult it can be to save and protect yourself from inflation.
How Lince Got Started
It all started in December 2024, while I was shopping for my engagement ring.
The conversation with the jewelry store owner ended up turning to Decentralized Finance—how I invested, why, and where. In the end, he asked me to manage part of his capital to see how it worked in practice.
That man is Dani. A Spanish entrepreneur with experience in private banking, he was genuinely curious about why DeFi was so interesting compared to what he already knew, but held back by its complexity and the high barrier to entry.
That conversation crystallized a thesis: there’s a huge market where DeFi would fit perfectly—it just needs someone to make it simple.
What We’ve Built
Our thesis was born from this conversation.
Lince solves a specific problem: millions of European savers with €10,000–100,000 in deposits that yield less than inflation, without easy access to better alternatives due to complexity or perceived risk.
That’s how Lince was born: an alternative savings account to the traditional one, with a target return of 5–7% annually, completely abstracted from the technical complexity behind it.
What sets us apart is how we manage risk.
Our “Smart Risk Engine” continuously monitors positions, collateralization, and the financial health of providers, and has been validated through over a year in production. That engine, combined with rigorous adherence to the regulatory framework, is the advantage we build upon every day.
Our Principles
How we operate, in four key areas.
100% Liquidity
Your money is always available. Transfers in seconds, with no lock-in periods.
Conservative risk
Trusted providers, overcollateralization, and continuous capital monitoring.
No intermediaries
All the returns generated are yours. No hidden fees or surprise spreads.
The Team
Dani wasn’t just the catalyst—he went on to become part of the founding team as a strategic advisor, alongside Omar, Josema, and me.
Jorge
CEO and Founder
Jorge got his start in e-commerce at age 16, and at 19 he co-founded Smithii, reaching seven figures in two years. He founded Lince to create the ideal savings account.
LinkedIn
LinkedIn
Omar
CTO and Co-founder
Co-founder of Smithii, he designed Solana’s infrastructure for thousands of users. A chemical engineer, he leads product architecture and security at Lince.
Josema
Dev Lead
A DevOps engineer with four years of experience in critical infrastructure at BBVA, Meliá, and Mapfre, he brings a focus on security and compliance to fintechs.
Dani
Strategic Advisor
The project was conceived by an entrepreneur with banking experience, president of Nicols Jewellery, and a business angel for startups. His conversation with Jorge in December 2024 planted the seed for Lince, providing vision and connections.
Who We Work With
Vendors and auditors who support our infrastructure.
Smart contract and platform security auditor.
Euro rails: on-ramp and off-ramp for deposits and withdrawals.
Self-custodial infrastructure. Your capital, under your control.
Build Lince with us
We’re growing. If what we do resonates with you—building the savings account that Europe doesn’t yet have—write to us.