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About Ready
Ready is a self-custody smart wallet and on-chain bank account on Starknet, formerly known as Argent, split into Ready Wallet for DeFi users and Ready Card for everyday spending. It addresses usability in a self-custody setting, where holding your own keys means personally absorbing loss and mis-signing, while seed phrases and gas keep most people out. Ready replaces seed phrases with smart contract accounts, signs through passkeys and device secure enclaves, builds in two-factor confirmation and social recovery, and lets a relayer pay gas and batch transactions; the card uses session keys to cap per-transaction and periodic spending, drawing USDC from the wallet while an issuer and clearing network handle fiat conversion.
Users concentrate in European day-to-day payments and among DeFi participants on Starknet, with revenue from card interchange and spreads on wealth products. The wallet also serves as a Starknet staking entry point, letting users delegate to validators inside the account, while account abstraction lets card, staking and borrowing share one address and permission model instead of separate accounts per feature.
Argent announced a major update on July 8, 2026, subsequently rebranding as Ready and unveiling its Community Finance vision, aiming to let everyday spending support communities. However, in July 2026, its card issuer Kulipa collapsed due to solvency issues, forcing Ready and other projects like Solflare to suspend card services. This incident highlighted the fragility of self-custodial wallets' reliance on traditional financial infrastructure at the payment layer. Ready stated it will build a more reliable payment solution on new infrastructure. In the long term, the transition from Argent to Ready and the Community Finance positioning mark an evolution from a mere crypto wallet to community-driven financial infrastructure, while the Kulipa event became a critical catalyst for Ready to pursue payment-layer independence.
2026 brought a sharp reshuffle at Ready. In January the self-custodial wallet built on Starknet smart accounts added Apple Pay and connected BTCFi yield, including staking, lending and mRe7BTC, to USDC spending; users can receive stablecoins through a personal vIBAN and move between fiat and crypto in more than 150 countries. The same month Ready connected STRK rewards to card spending, so users can spend staking yield without leaving Starknet.
The card business then ran into trouble. Non-EEA card services stopped abruptly in June, and on 29 July Ready closed applications and began switching off existing cards after its issuer could no longer run the programme reliably, with Metal subscribers refunded pro rata. In August the team said it would no longer build a crypto neobank and would launch Community Cards on Base, starting with esports partners.
Future strategy and roadmap: Ready will reuse its account abstraction, session keys and social recovery for the community card product, distributing through partners instead of running its own programme first, and will restore stablecoin payments and yield once regulation and partners allow.
Itamar Lesuisse — Co-founder & CEO; founded the self-custodial smart-contract wallet Argent in London in 2017, renamed Ready in 2025; previously at Index Ventures.
Gerald Goldstein — Co-founder; oversees product and operations.
Julien Niset — Co-founder; worked on the early smart-contract wallet architecture.