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What is WeFi Coin (WFI): Top 5 Ways to Spend It in 2026
WeFi (WFI) is the token behind WeFi, an on-chain banking platform, or deobank, that brings self-custodial accounts, stablecoin payments, and a crypto card together in one app. Co-founded in 2024 by Maksym Sakharov and Tether co-founder Reeve Collins, the project had passed 100,000 users by early 2026.
But what can you really do with WFI outside the WeFi app? One of the most practical options is travel: through Epic, holders can book hotels and flights at rates up to 30% below Booking.com and earn up to 8% cashback in XRP. New users can also claim $25 off their first booking.
Key Takeaways
- Travel is the most practical use case for WFI. Book hotels and flights with WFI on Epic at prices up to 30% lower than Booking.com. New users can also get $25 off their first booking.
- Inside the WeFi app, holding WFI generates Energy, which cuts the WeFi Card fee from 3% to 1.5% and raises mining power, while ITO unit owners earn new WFI as mining rewards.
- WFI holders can purchase physical collectibles on Polkastarter, from rare trading cards and graded items to sealed products and video games.
- Coinsbee opens up everyday purchases for WFI holders, such as gift cards, prepaid products and mobile top-ups from over 5,000 brands.
- CoinTerminal gives WFI holders access to early-stage token sales, with contributions starting at $100.
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What Is WeFi Coin (WFI)?
WeFi (WFI) is the native utility token of WeFi, a decentralised on-chain bank that runs fiat and stablecoin accounts, payments, and a crypto card from one app. The project launched in September 2024 and is led by Group CEO Maksym Sakharov.
WFI is a BEP-20 token on BNB Smart Chain and began trading in November 2024. It has a maximum supply of 1 billion, with about 87 million currently in circulation, and WFI/USDT is its most active trading pair.
Inside WeFi, the token pays platform fees, generates Energy for lower card fees, can serve as collateral, and is paid out as mining and staking rewards.
How Does WeFi Work?
WeFi keeps fiat and stablecoins in one Unified Balance, so payments and transfers can move over either bank rails or blockchain rails. Accounts are self-custodial, and the WeFi Card lets users spend directly from that balance.
New WFI is distributed through ITO units, a software mining product: owners earn WFI every second, and the reward rate halves every two years. Holding or committing WFI generates Energy, a loyalty score that cuts card fees, raises mining power, and boosts yields on stablecoin earn strategies.
WFI sits at the centre of this system: it covers fees, produces Energy, and is the reward that mining pays out.
What I like about WeFi is that it puts your bank money and your stablecoins in one place. You see a single Unified Balance, keep your own keys, and spend from it with the WeFi Card. If you hold WFI as well, Energy is the part you'll notice first, because it cuts your card fees.
1. Book Discounted Hotels and Flights With WFI on Epic
Travel is one of the most practical ways to spend WFI outside the WeFi app. WFI holders can book hotels and flights through Epic at prices up to 30% below Booking.com.
You get access to more than 2 million hotels and flights worldwide. The platform supports more than 200 cryptocurrencies alongside Visa, Mastercard, Apple Pay and Google Pay.
Epic also pays up to 8% cashback in XRP on bookings, giving regular travellers one more way to save on hotels and flights.
New users can also get $25 off their first booking.
What stands out to me about Epic is how much you can actually save with it. If you fly or stay in hotels several times a year, booking with WFI for up to 30% less than on Booking.com adds up fast, and each booking earns you XRP cashback too.
Book your next hotel for up to 30% less
2. Buy Physical Collectibles With WFI on Polkastarter
WFI can also be used to buy physical collectibles on the Polkastarter marketplace. It features real trading cards, video games and other physical collectibles held in professional custody. Every item can be shipped to you or sold back through the platform.
Polkastarter uses USDC as the balance currency of its marketplace, so WFI holders will first need to convert their tokens to USDC on an exchange that lists it before funding their balance.
Take a look at the Polkastarter collectibles marketplace to see what's currently available.
Polkastarter is a good fit if you're a collector at heart. It offers trading cards, video games and other collectibles, all paid for in crypto. Once you've bought something, you choose whether it's shipped to you or sold back through the platform.
3. Hold WFI for Energy and Lower Card Fees in the WeFi App
The most direct use for WFI is still the WeFi deobank it was created for. Holders keep the token in their WeFi account, where it builds up Energy, the platform's loyalty score.
That Energy is where WFI pays off in everyday use. Applied to the WeFi Card, it cuts the card fee from 3% to 1.5%, and card spending itself adds mining power, so paying with the card earns WFI rewards. Energy can also boost yields on stablecoin earn strategies.
In April 2026, WeFi announced a collaboration with Visa to pilot stablecoin card payments across Europe, Asia, and Latin America. The token is planned to move from BNB Smart Chain to WeChain, WeFi's own Layer 1, once that mainnet goes live, and the WeFi documentation explains how WFI and Energy fit together.
What I like about WFI is that it's tied to things you actually do in the app. You hold it to build up Energy, and that Energy cuts your WeFi Card fee from 3% to 1.5%. If you already pay with the WeFi Card, this is the most natural place to use it.
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4. Join Early-Stage Token Sales With WFI on CoinTerminal
WFI holders can also use their tokens to access early-stage token sales through CoinTerminal, an open-access crypto launchpad for projects before they list on exchanges. There are no token-staking requirements, and contribution sizes begin at $100.
WFI is not accepted directly, so holders will first need to swap it for USDT on an exchange that lists it. Once the USDT is in your wallet, you can use it to join any eligible sale. All launches are fully refundable, making the investment risk-free.
You can check the CoinTerminal launchpad to see which token sales are currently open.
What stands out to me about CoinTerminal is how low the entry barrier is. If you'd like to join a token sale before the listing, $100 is all you need, there's no staking requirement, and contributions are refundable, which makes the investment process risk-free.
5. Buy Gift Cards and Mobile Top-Ups With WFI on Coinsbee
Another option is swapping WFI for crypto that can be spent on Coinsbee. The platform also offers gift cards, prepaid products and mobile top-ups from over 5,000 brands in 185+ countries.
Coinsbee supports more than 200 cryptocurrencies, and its catalogue covers retail, groceries, travel, food delivery, gaming and mobile services. As WFI is not offered directly at checkout, holders first need to convert it to USDT or BTC on an exchange that lists it. Once you hold a supported asset, pick the gift card or top-up you want, complete the crypto payment and get the code by email.
Browse the full Coinsbee catalogue to see what is available in your country.
Coinsbee is the most practical option on this list for day-to-day spending. You can use your WFI for gift cards that cover groceries, food delivery and gaming, or for a mobile top-up, and the code reaches you by email. Just check the catalogue for your country first, because the brands vary by region.
Sources
- WeFi, Official WeFi website and an overview of the WFI ecosystem
- Crypto Reporter, Epic Transitions into the Travel Layer for Crypto, Bringing Real-World Utility to the Web3 Space
- Uphold, What Is EPIC?
- Epic Travel on X, @EpicOnChain
- Binance Academy, What Is Epic Chain (EPIC)?
- CoinMarketCap, WeFi (WFI) live price, market cap and token data
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Adrian Baschuk is the chief executive officer of Epic. Adrian has spent two decades in media as a producer, journalist, and founder, and has worked in crypto since 2017. He was a founding partner at Crypto Banter, worked on CNBC's Crypto Trader, and has produced and reported for CNN, Current TV, and Discovery.
His television production credits include Disengagement, South Beach Tow, and Kart Life. He became CEO of Epic in 2025 and leads the company's move into travel, building the first travel layer for crypto.
Based in Miami, Adrian earned a bachelor's degree in international relations from Tufts University.
Frequently Asked Questions
Yes. WFI holders can book hotels and flights through Epic at rates up to 30% cheaper than Booking.com. The platform accepts more than 200 cryptocurrencies alongside Visa, Mastercard, Apple Pay and Google Pay, and pays up to 8% cashback in XRP on bookings. New users can also get $25 off their first booking.
WFI trades at about $2.23, which gives WeFi a market capitalisation of around $193 million and rank #227 on CoinMarketCap. That is about 26% below its all-time high of $3.00 from January 2026. Nobody can reliably predict token prices, and we do not give investment advice. What WFI is designed for is use inside WeFi: generating Energy, covering platform fees, and earning mining rewards.
WeFi was co-founded in 2024 by Maksym Sakharov, its Group CEO, who has worked in fintech and blockchain since 2016, and Reeve Collins, who earlier co-founded Tether. Roman Rossov is also listed among the founders and leads product as Chief Product Officer.
WFI trades mainly on BingX, where WFI/USDT is the most active pair, and it is also available on decentralised exchanges on BNB Smart Chain. Buyers usually fund an account with USDT, place an order on that pair, and can then withdraw the BEP-20 tokens to a compatible wallet. New WFI also reaches users through ITO mining in the WeFi app.
Inside WeFi, WFI is mainly used to generate Energy, which lowers WeFi Card fees, raises mining power, and boosts yields on stablecoin earn strategies. The token also covers platform fees, can serve as collateral, and is the reward for ITO mining. Once WeChain launches, WFI is planned to become its native gas token.
Found a hotel you like? Book it for up to 30% less
Found a hotel you like? Book it for up to 30% less
