Milan & Mercer
Milan & Mercer
M
Good afternoon, Karis
Friday, Sep 11
Total balance
$2,847.20
+$482.10 this month (+20.4%)
Spent this month Sep 1 – 11
$1,412.60
Rent$540
Dining$312
Groceries$254
Travel$168
Other$139

Spaces

Upcoming

Due tomorrow
Verizon
$78.40
Autopay on
Sep 15
Rent · 4B
$2,150.00
Reserved
Sep 18
Spotify
$11.99
Card 8823
Sep 22
ConEd
$142.30
Estimate
Earning on your balance
$1,924.20 in Dollar Balance
4.8%
APY
Milan Card
•••• 8823 · $184 this week

Send again

Activity

Today
Café Reggio
Coffee · Card 8823 · 9:42am
−$6.20
From @nina
Split dinner · Instant
+$42.00
Spotify Premium
Subscription · Card 8823
−$11.99
Yesterday
To @amara-lagos · 🇳🇬
International · 30 bps fee · 8s
−$150.30 ₦247,000
Whole Foods Market
Groceries · Card 8823
−$67.24
Uber
Ride · Card 8823 · 6:14pm
−$18.40
Interest earned
4.8% APY · Auto
+$3.12
Sep 9
Amazon
Marketplace · Card 8823
−$42.19
Sweetgreen
Lunch · Card 8823
−$16.85
Verizon Wireless
Autopay · Bill 9/9
−$78.40
Sep 8
United Airlines
Milan Trip · No FX fee
−$412.60
Netflix
Subscription · Card 8823
−$22.99
Payroll · Frame Design
Direct deposit · 2 days early
+$3,200.00
Sep 6
Con Edison
Autopay · Utilities
−$94.12
Apple
iCloud+ · Subscription
−$2.99
Lululemon
Retail · Card 8823
−$128.00
M

Pay anyone

Global @handles, banks, wallets. Milan picks the rail.

Recent
Amara Okafor
@amara-lagos · Nigeria Global
Sofia Marchetti
@sofia · Italy Instant
Marcus Chen
@marcus · Milan member Instant
Suggested
Nina Weber
@nina · Germany Instant
Mom
@karis-mom · Milan member Instant
M
Wallet

Everyday

Milan & Mercer Everyday metal card
Card · •••• 8823
Exp 08/29

My cards

Everyday · Physical
•••• 8823 · $184 this week
Active
Travel · Milan Trip
•••• 4432 · $340 / $2,000 · No FX fees
Active
Subscriptions
•••• 9911 · 4 services · $37/mo
Active
Online-only
•••• 2847 · Merchant-locked
Paused

Controls · Everyday

Apple Wallet
Ready to add
Online purchases
Card-not-present
International
Zero FX fees on Reserve
ATM withdrawals
Domestic only

Recent transactions

Café Reggio
Today · Coffee
−$6.20
Whole Foods
Yesterday · Groceries
−$67.24
Uber
Sep 8 · Transit
−$18.40
M

Invest

Simple. Long-term. Recurring by default.

Portfolio value
$4,612.08
$612.08 (+15.3%) all time
Auto-invest on
$100 every Friday · 50% BTC · 30% ETH · 20% SOL
Next buy tomorrow at 9am

Holdings

₿
Bitcoin
0.041 BTC
$2,850.42
+18.2%
Ξ
Ethereum
0.487 ETH
$1,341.66
+12.1%
◎
Solana
1.94 SOL
$420.00
−2.4%
M
Travel
Zero FX · Powered by Milan Card
Your active trip · in 42 days
Milan & Lake Como
Oct 22 – Nov 2 · 2 travelers · $1,240 / $2,000 saved
Positano at golden hour
Featured
Positano
Cliffside villas, lemon groves, and the softest Amalfi light.
From$1,820
Kyoto cherry blossoms
Sakura season
Kyoto
Temple paths under pink clouds. Dawn tea in a quiet courtyard.
From$2,140
Marrakech riad
Hidden gem
Marrakech
Zellige courtyards, reflecting pools, sunsets the color of honey.
From$1,290
Patagonia peaks at dawn
Adventure
Patagonia
Alpenglow on granite spires, glacial water clear as glass.
From$2,680
Lisbon rooftops at sunset
Trending
Lisbon
Terracotta rooftops, a yellow tram, and the Tagus turning gold.
From$980

Perks with Milan Card

No foreign transaction fees
Real interbank FX · Instant refunds · 24/7 concierge
0%
FX
M

Wealth

Every dollar you own, in one view.

Built for the long view.
Net worth
$74,318.60
↑ $2,140 (+3.0%) this month

Yield on Digital Dollars

4.8%
Milan Baseline
No lock · Withdraw anytime · Automatic
Active
6.0%
Reserve Tier
30-day time lock · Morpho vault
8.0%
Growth Tier
90-day lock · Pendle strategy · Higher risk
Portable credit
Onchain history you own
742
Milan Score

Invest

Portfolio
$4,612.08 · +15.3% · Auto-invest on

Elsewhere

Chase Bank
Checking + Savings · Connected
$12,420
Real estate
1 property · Zillow estimate
$52,000 eq
Show me
$1,247 to spend this month
Milan member
Rewards, yield, and your Milan world.
Double M Cash · September
$127.40 +$18 this week
63% to $200 monthly capAuto-deposits to Reserve
Status
Milan → Mercer
$18,200 / $50k spend
Reach Mercer to unlock private banking, higher yields, and a dedicated advisor. 8 mo to qualify at your pace.
Milan perks
All perks →
Travel credits
$100 property credit on hotel stays 2+ nights
Redeem in Discover
Priority tables
Same-week reservations at 240+ partner restaurants
Available tonight
Airport lounges
Priority Pass · unlimited visits worldwide
Included
Concierge
24/7 human help for reservations, gifts, logistics
Chat now
Cellular protection
$800 phone coverage · $0 deductible
Active
Purchase protection
120-day damage & theft on card purchases
Active
M
K
Karis Dowe
@karisdowe · Portable identity
Security
Security Center
Protected
Face ID
On
Recovery phrase
Backed up
Membership
Milan Tier
Milan
Travel
Milan Trip · Oct
Family
2 cards
Portability
Export wallet
Anywhere
Statements & taxes
1099 ready
Help
Help & support
Sign out
Milan & Mercer Financial, Inc.
Non-custodial wallet · Cards issued in partnership with Visa
Not FDIC insured · Not a bank
Spaces

Sub-balances with funding rules. Ship in a sprint — banks take quarters.

Everyday
Main balance · Card 8823
$1,924.20
Reserve
Sweep excess above $2k · 6% APY · 30d lock
$3,150.00
$3,150 of $4,000 rainy-day goal
Milan Trip
$50 every Sunday · Travel Card linked
$1,240.00
$1,240 of $2,000 by Oct 20
Taxes 2026
10% of every deposit · Auto
$820.40
House
Shared with @karis-partner · $500/mo
$2,000.00
Security Center

Your keys, your money

Milan holds your money in a wallet only you can unlock with Face ID. We cannot freeze your account, refuse a payment, or debank you. That's the promise, and the whole point.

Devices & sessions
iPhone 16 Pro
This device
MacBook Pro
2 days ago
Actions
Emergency lock
Freeze everything
New-recipient guard
24h cooling off
Beneficiaries
1 person
Transfer limits
$5k/day
If something goes wrong
Lost or stolen phone
Recovery guide
Notification settings
11 alerts on

Portability guarantee

One tap exports your keys and full history to any external wallet. Milan works even if we don't. That's a feature — not a threat.

Milan Tiers

Choose your &

Three tiers. Same non-custodial promise.

Current
Milan
Free forever
  • Virtual + physical card
  • Spaces & funding rules
  • 4.8% APY on Digital Dollars
  • Global @handle payments
Milan Reserve
$15/mo · Free with $100k balance
  • Metal card, embossed
  • Zero foreign transaction fees
  • 6.0% Reserve-tier yield
  • Lounge access · Trip protection
  • Priority support
Milan Private
$500k+ balance
  • Premium metal card
  • Dedicated banker relationship
  • Concierge · Wealth planning
  • OTC digital-asset execution
  • Family structure & cards
Milan Trip
Oct 22 – Nov 2 · 12 days

Milan & Lake Como

Round-trip · JFK ↔ MXP · 2 travelers
Trip spending
$1,240 / $2,000
Travel Card ends 4432 · Zero FX fees
62%
Itinerary
Flight · JFK → MXP
Oct 12
Hotel Principe di Savoia
4 nights
Lake Como day trip
Oct 16
Trip benefits
Zero foreign transaction fees
On
Trip delay coverage
Upgrade
Family

Yours, mine, and ours. Each person keeps their own money. Shared spaces are collaborative.

Partners
Partner · Priya D.
@priya · House Space shared
$500/mo
to House
Kids
Leo · 14
Card 3389 · $28 this week
$40/wk
weekly limit
Mia · 11
Card 4102 · $12 this week
$20/wk
weekly limit
New payment
To
@amara-lagos
$0
Add a note
Instant · Milan @handle · Free
Sent
To @amara-lagos · 8 seconds
Verified onchain
Statements

Monthly PDF statements for tax filing, mortgage applications, or your records. Tap any month to download.

Notifications
Today
Payroll landed 2 days early
Frame Design · $3,200
9:12a
Card swipe · Blue Bottle
$6.75 · Virtual card ···4429
11:04a
Verizon due tomorrow
Autopay is on · $78.40
7:00a
Yesterday
Amara Okafor sent you $340
@amara-lagos · "Rent share"
4:22p
Yield credit posted
$14.83 · 4.8% APY on Dollar Balance
12:00a
This week
You saved $482 this month
Up 20% vs August
Wed
New sign-in from MacBook Pro
San Francisco · Approved with Face ID
Tue
Prices dropped: JFK → MXP
$612 round-trip on your dates
Tue
Add Money
Dollar Balance
$4,283.15
Available in seconds after funding clears

Where your money is

Deposits land as Digital Dollars in your non-custodial wallet. Milan never holds your funds — you keep the keys. Yield of 4.8% APY begins accruing the moment funds arrive.

Choose bank
Amount
$
Linked banks
Amount$500.00
FeeFree
ArrivesMon, Sep 15
FromChase ···4429
Wire instructions

Domestic wire · Same-day

Provide these details to the sender bank. Wires under $500K typically arrive within a few hours during banking hours.

Bank name
Column N.A.
Routing (ABA)
026073150
Account number
4482 9917 3305
Beneficiary
Karis Dowe
Beneficiary address
Milan & Mercer
2261 Market St #4432
San Francisco, CA 94114
Reference
MM-K7X39A

International wire?

SWIFT/BIC: COLUUS44XXX. Include a memo of MM-K7X39A so we can attribute your funds. FX conversion happens at mid-market + 30 bps.

Deposit from wallet
Your Base USDC address
0x8f2a…c4b9d1e037A26f9F8Ea3d8B7C22aE41C

Send USDC only

Only send USDC on the selected network. Other tokens will be lost. Milan auto-detects incoming deposits and converts them to your Dollar Balance immediately.

Network fee

Base: Gas sponsored by Milan — free. Solana: ~$0.0003. Ethereum: $2–8 depending on congestion. Use Base or Solana whenever possible.

Debit card
Amount
$
Card details
Amount$200.00
Fee (1.5%)$3.00
ArrivesInstantly
Withdraw
Available
$4,283.15
Withdraw all or any portion, any time
Withdraw amount
$
Send to
Withdraw$500.00
FeeFree
Arrives1–3 business days
ToChase ···4429
Confirm
Send
$500.00
To Chase ···4429
ACH · Arrives Sep 15
Look at your iPhone to confirm
Amount$500.00
FeeFree
You'll have$3,783.15
Send money
Recent
Contacts on Milan
Other options
Milan & Mercer
A bank that fits in your pocket. And your keys.
What's your email?
We'll use this to sign you in. No password needed — ever.
By continuing you agree to our Terms and Privacy.
Set up a passkey
Passkeys use Face ID on this device. There's nothing to remember, nothing to steal, nothing to phish.
Your account is ready
B
Base wallet
0x8f2a…7A26f9F8
S
Solana wallet
HN7Zc…F3xR6q
@
Your @handle
Pick one so friends can pay you
Both wallets belong to you. Milan never touches them.
Add your first dollars
You can skip this and add money later. There's no minimum.
You're in
Welcome to Milan & Mercer.
Your first year of Milan is on us.
Lost or stolen phone

Your money is safe. Really.

Your keys live on your device inside the Secure Enclave — a thief with your phone still can't get in without your Face ID. You can also freeze everything from any other device in seconds.

Immediate actions
Freeze all cards and sends
One tap
Revoke the lost device
Sign it out
Alert your beneficiaries
Notify contacts
Recovery paths
Add a new device
iCloud Keychain
Beneficiary re-authorization
Mom (24h delay)
Export keys to another wallet
Any time

We can never do this for you

Because Milan doesn't hold your keys, we can't reset your account for you. That's the trade — no one else can access it either. Set up a beneficiary in Security Center to unlock this path.

Notification settings
Money movement
Card swipes
Instant push for every physical or virtual purchase
Money received
Sends, deposits, and paycheck arrivals
Money sent
Confirmation after each outgoing send
Bill autopay
Reminders 24h before, and when charged
Security
Sign-in from new device
Recommended — cannot be turned off
Passkey used to approve a send
Whenever Face ID confirms a transaction
Large withdrawal alert
Over $1,000 to an external destination
Product & growth
Weekly spending recap
Every Sunday morning
Yield rate changes
When your APY moves by 25 bps or more
Travel deals
Fare drops on watched routes
Product updates
Occasional — never marketing spam

Quiet hours

Notifications outside 8a–10p arrive silently. Card swipes and security alerts always break through.