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About Bread
Bread is embarking on a journey to become the world’s largest decentralized financial institution. Many of our team members have been involved in cryptocurrency since the early years, and have watched the rise of bitcoin, Ethereum, and other decentralized digital assets pave the way for a brand new type of financial infrastructure. These technologies make it possible for users to interact directly with their money, instead of relying on other businesses and entities which can be costly and limiting. We envision a future in which money is as fluid as information on the internet. Consumers are in control of their own finances, and rely on no one but themselves to keep their money safe. No longer can a hacker gain access to a single server and walk away with millions of credit card numbers. No longer do the livelihoods of millions of people rely on banks being able to manage their assets properly, weathering the risk of embezzlement and greedy investment practices.
Anything that currently can be done through a bank, credit card issuer, or payment processor will soon be doable with cryptocurrency, all on the user’s own device. With a basic smartphone, the average consumer will be able to receive their salary, pay their bills, take out a loan, invest in stocks and savings accounts, send money around the world, and make purchases online.
This is the future cryptocurrencies make possible. Bread will turn that future into a reality, by becoming the largest, decentralized financial institution in the world—all without holding customer funds or personal data.
So how does Bread make this possible? At the core of the Bread platform are our standard wallet capabilities, which have always been, and will always be, free. This allows our customers to receive, store, and send cryptocurrencies to anyone, anywhere in the world, at any time. Bread connects directly to cryptocurrency peer-to-peer networks, which means users don’t rely on us to access their money. If Bread’s corporate entity shuts down or if our servers are hacked, each user’s funds remain safe and protected in their own device.
Outside of simply managing cryptocurrencies, Bread partners with third-party service providers around the globe to allow users to access a wide range of additional services through the Bread platform. It takes a lot of time and money to set up a local financial service and become legally compliant, and instead of tackling these endeavors directly, Bread seeks out quality services that already exist around the world.
Bread ensures that every service is operating legally and meets Bread’s high quality standards, and regardless of how the service operates outside of the Bread platform, we ensure the experience using the service through Bread is as user-friendly as possible. Simplicity and security are our top priorities. To create more value for our users, increase user growth, and support the development of Bread’s global financial platform, we are launching the first-ever loyalty rewards program offered by a cryptocurrency wallet.
The Bread Rewards program will be built around the Bread token, which users can utilize to unlock special perks and discounts in the Bread app. Users will be able to earn Bread tokens through various promotions which are designed to increase user adoption or otherwise offer value to Bread. For example, users could be rewarded for posting about Bread on social media, answering a simple user survey, or simply holding a certain amount of value in their Bread.
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