Tanari: The First Self-Owned Bitcoin Financial Platform

“We built Tanari because Bitcoin’s promise of freedom felt out of reach for too many, including us. We wanted to create one platform where anyone could access Bitcoin's full potential, simply, and on their terms, without ever giving up control.”
— The Tanari Team

Introducing Tanari, the first self-owned Bitcoin financial platform that simplifies payments, secure BTC storage, stablecoin access, BTC borrowing and lending and much more, giving you complete control of your BTC in one platform.

Bitcoin was built to break financial barriers, with a vision where your funds answer to no one but you. But bitter truth is that Bitcoin’s financial ecosystem hasn’t kept up with its vision. It’s stuck, weighed down by tools that betray its core principles and exclude the very people it was meant to empower. Tanari changes this reality by rethinking Bitcoin finance from the protocol level up, built around self-custody, seamless UX, and modular infrastructure that adapts to how people actually use money.

But let’s go back to the core question that started this: what’s stopping people from actually using Bitcoin the way it was meant to be used?

The Problem: Bitcoin Works. Bitcoin Finance Doesn’t.

Bitcoin’s base layer is unmatched in security, decentralization, and censorship resistance. But it wasn’t designed to directly support the full range of financial applications people expect today, like high-speed payments, or lending. As a result, users turn to centralized exchanges, custodial platforms, and fragmented off-chain services to fill the gap.

And in doing so, they surrender the very principles Bitcoin was meant to protect.

The issue isn’t that Bitcoin is broken. It’s that the infrastructure built around it hasn’t caught up to its potential. If we want Bitcoin to reach more people and to power real financial lives, we need to preserve its foundation while building modern, user-friendly financial tools on top of it.

Let’s break down where things are going wrong:

Custody Destroys Ownership

Custodians threaten Bitcoin’s core. Hand over your keys, and you’re no longer in control-you’re at the mercy of a platform that can freeze your funds, get hacked, or disappear overnight. Countless users have lost everything because they trusted someone else with their Bitcoin.

💡 If Bitcoin is about ownership, why are we still willing to hand it over to someone else?

Complexity Locks Out the Many

Bitcoin’s financial tools feel built for coders, not everyday people. Borrowing against BTC or accessing stablecoins means wrestling with clunky DeFi protocols or trader-centric apps that are hard to navigate. The steep learning curve and unintuitive design leave newcomers overwhelmed and even OGs annoyed, slowing Bitcoin’s path to better adoption.

Fragmentation Breaks Usability

The ecosystem is splintered: sending BTC, lending, or using stablecoins each need separate tools with poor interoperability. A merchant settling a sale might need multiple platforms; a user investing might juggle several. This chaos wastes time, adds risk, and kills momentum. The whole experience should be seamless, not chaotic.

Existing Approaches Force Compromises

All current attempts fail to deliver a complete solution. Many trade security for simplicity, risking exploits. Others prioritize security but burden users with clunky key management, slow confirmations, or UI that feel outdated and complex. Bitcoin finance shouldn’t force you to choose between safety and usability.

The result is a system that excludes, exhausts, and limits Bitcoin’s potential. If Bitcoin is to power the world’s future, these barriers must fall. That starts with finance you own, all in one place.

So let’s imagine for a second. If nothing stood in the way, what would the ideal financial experience really feel like?

What Does the Perfect Financial Platform Look Like?

Finance should be:

• Secure
• Accessible
• Fully self-owned

No juggling multiple tools. No trusting third parties with your keys. No sacrificing usability for sovereignty, or vice versa.

But what does the perfect Bitcoin financial platform look like? It’s self-owned, ensuring your BTC stays yours. It offers secure asset storage and protects your wealth with unyielding strength. It enables fast cross-border payments, low fees, and a simple user-friendly interface, so using Bitcoin feels as natural as your banking app. It also supports lending, borrowing, deposits, and investment tools, allowing you to do more with your Bitcoin.

Enter Tanari: The First Self-Owned Bitcoin Financial Platform

Tanari is the first self-owned Bitcoin financial platform. Imagine a single place where you can securely manage your BTC, without ever surrendering control. That’s Tanari. We’ve built a platform that feels as intuitive as your favorite app but keeps Bitcoin’s freedom at its core, empowering you to use it on your terms, expert or beginner.

Tanari is built on Citrea, the first zero-knowledge rollup secured by Bitcoin. They are changing the game by scaling Bitcoin’s capabilities without compromising its security or decentralization. Building a platform like Tanari wasn’t possible before because Bitcoin’s base layer couldn’t handle the speed and complexity of modern finance without off-chain trade-offs that risked security or user control. Citrea’s ZK tech enables fast transactions and advanced financial features while keeping everything on Bitcoin’s chain, ensuring your funds are as secure as the network itself. Think of it like an express lane built on Bitcoin's secure highway-one that allows for faster, cheaper transactions and a new generation of Bitcoin-native financial tools.

With Citrea as our foundation, we are about to unlock Bitcoin’s full potential, driving mass adoption by making it a practical, everyday financial tool for users and businesses alike. What makes us truly unique is how we’ve designed every feature to eliminate the pain points.

What Sets Us Apart

Every part of Tanari is designed to remove a pain point that’s kept people from fully owning their Bitcoin. Here’s how we are changing the game:

• Bitcoin-Native Financial Platform: Everything you need is inside one app, just like a bank-store, send, lend, and invest BTC in one place.
• Hardware-Level Security: Transactions are signed using Apple and Android’s built-in hardware, synced securely via passkeys, so your private key never leaves your device, and no one except you can access it.
• Modern Self-Custody Access: Skip the emails, passwords, and seed phrases required to sign in. Just use Face ID or fingerprint for easy, instant access across devices, without sacrificing ownership.
• Modular by Design: Built on Citrea, Tanari is designed to expand. As new Bitcoin applications (₿apps) emerge, we can integrate them natively, creating a connected, evolving platform without adding any complexity for the user.

Under the hood, Tanari leverages cutting-edge standards, including support for signing via passkeys, to enhance both security and flexibility. Proposals like EIP-7702 alongside RIP-7212 provide the advanced transaction signing capabilities required for integrating passkeys with modern hardware security. Concurrently, EIP-7579 enables modular smart accounts, future-proofing the platform for seamless integration of new features and applications.

What’s Next for Tanari?

In the coming months, we will take major steps to bring Bitcoin finance to the next level:

Tanari on Testnet

We’ll soon launch Tanari on Citrea testnet, opening opportunities for early users and our community to explore its features firsthand and help us refine the platform before the mainnet launch.

Mainnet Launch

Following the testnet phase, we’ll go live on mainnet, enabling users to store, send, lend, and invest BTC on a fully self-owned platform.

Evolving with Citrea

As the Citrea ecosystem grows, so will we. We plan to integrate with other Bitcoin applications (₿app) being built on Citrea, creating a connected experience where users can access more tools, more functionality, and more value, without ever leaving the Tanari platform.

Tanari’s vision is to build the world's best financial system, empowering individuals with true ownership and financial freedom. We’re creating a future where Bitcoin is an everyday financial tool, empowering users and businesses to break free from traditional systems with a platform that’s as intuitive as it is secure.

Be Part of What Comes Next

If you believe Bitcoin should be easy to use we’re building this for you. If you’ve been waiting for something better than custodians, complex protocols, and patchwork apps, this is it. And if you’ve ever felt like Bitcoin wasn’t built for people like you... it is now.

• Join the waitlist to get early access
• Follow @tanaribtc on X for updates, behind-the-scenes, and more