Superform on The DeFi Drop

Guest: Christian Dumas, Head of Ecosystem at Superform
Host: Edward Ward, Portals.fi

In this episode of The DeFi Drop, Edward Ward speaks with Christian Dumas, Head of Ecosystem at Superform, about building a first user-owned neobank for decentralized finance. The discussion dives into Superform’s approach to cross-chain yield, smart account abstraction, ERC-7540 infrastructure, and why simplifying DeFi is key to mainstream adoption.

What Is Superform? A First User-Owned DeFi Neobank

Superform is a decentralized platform that abstracts away the complexity of DeFi without compromising user control. Rather than managing multiple wallets, bridges, interfaces, or gas fees across chains, users interact with one unified app. Every transaction requires only a single signature.

“Our mission is to make DeFi easy and accessible for the average person, the user doesn’t even need to know they’re touching crypto.” — Christian Dumas

Key Features

• One-click cross-chain deposits and withdrawals
• Smart account abstraction
• Automated yield routing
• Unified multi-chain dashboard
• User-owned infrastructure
• Roadmap toward mobile-first neobank experience

The broader vision is to offer a seamless Web3 financial stack, from fiat onboarding to yield generation to payments. Result? Anyone can earn more on their USDC, BTC and ETH while keeping full control of their assets.

Prioritizing “Boringly Reliable” Yield

Rather than market speculative opportunities, Superform focuses on risk-adjusted, predictable yield. Their thesis: users want capital to grow safely, not chase volatility.

“Most people just want safe, reliable returns.” — Christian Dumas

SuperVault Target Yields (Indicative)

• Stablecoins: ~8% APY
• ETH: ~4% APY
• BTC: ~1% APY

SuperVaults route funds into protocols like Aave, Pendle, Euler, Morpho, Fluid, and Gearbox—chosen for resilience and real-world traction.

SuperVaults: Automated DeFi Yield Aggregation

SuperVaults are structured vaults that dynamically rebalance capital across protocols and chains to optimize yield and manage risk. They eliminate the need for users to manually manage positions, choose chains, or execute bridging steps.

“Most people want to put their money somewhere and check back later to see it has grown.” — Christian Dumas

Vaults rebalance positions, diversify risk, and automate strategy allocation, similar to how ETFs work in traditional finance.

ERC-7540: The Yield Infrastructure Layer

Superform is a key contributor to ERC-7540, a new Ethereum vault standard that builds on ERC-4626. ERC-7540 introduces support for asynchronous withdrawals, making it possible to manage yield strategies across multiple chains and support illiquid or fixed-term products.

“ERC-7540 lets us support more strategies while keeping gas costs low.” — Christian Dumas

Benefits of ERC-7540

• Batching to reduce gas costs
• Cross-chain vault management
• Support for illiquid strategies (e.g., real-world assets)
• Scalable vault infra for institutions and power users

Deposits are instant. Withdrawals typically settle within one hour.

Cross-Chain in One Signature: UX as a Competitive Edge

Superform’s proprietary bundler and smart account architecture let users execute complex multi-chain strategies with a single signature. Behind the scenes, transactions are split, routed, executed, and reverted as needed without user intervention.

“From the user perspective, I just sign once, everything else happens automatically.” — Christian Dumas

This level of abstraction removes friction and sets the groundwork for truly consumer-friendly DeFi.

Risk Management and Vault Curation

Each protocol integrated into Superform’s vaults undergoes rigorous evaluation. Selection is based on:

• ERC-4626 compliance
• Audits and on-chain track record
• Protocol team transparency
• TVL thresholds
• Strategy conservatism

“We lean conservative because these strategies are designed to protect capital.” — Christian Dumas

DeFi UX: Why Layers of Abstraction Are Essential

Christian highlights the need to remove technical barriers across the DeFi experience:

• No need for manual bridging
• No gas fee calculation
• No managing multiple wallets
• No fragmented dashboards

Upcoming features include fiat ramps, embedded wallets, mobile-first access, and simplified logins.

The Future of DeFi: Automation and Accessibility

“Most people don’t want to manage DeFi manually. They want automation.” — Christian Dumas

Christian predicts the rise of automated vaults as the default onboarding method into DeFi, much like ETFs did for traditional markets. Manual DeFi tools will remain relevant for advanced users, but mass adoption will come from ease, not complexity.

Market Outlook: DeFi TVL in 2026

Christian forecasts continued growth in total value locked:

• TVL in early 2026: ~$130B
• June 2026 projection: ~$200B

Improved UX, composable infrastructure, and institutional use cases will be major growth drivers.

Final Thoughts

Superform is building toward a future where interacting with DeFi is as easy as opening a mobile banking app. With a focus on automation, user ownership, yield reliability, and smart account architecture, Superform offers a new way to engage with digital assets—one signature at a time.

About Superform

Superform is building the first user-owned DeFi neobank. Their platform simplifies earning yield, saving, and managing assets on-chain by abstracting away the complexity of bridges, vaults, and multi-chain execution. With SuperVaults, ERC-7540 infrastructure, and a mobile-first roadmap, Superform is pioneering yield access for everyday users.

About Portals.fi

Portals.fi helps users and protocols route complex DeFi actions across multiple chains in one click. Whether you’re managing liquidity, yield strategies, or token swaps, Portals simplifies execution across the entire DeFi stack. Portals also hosts The DeFi Drop, a podcast featuring 20-minute conversations with top builders in DeFi.