请问HN：我们正在为欧洲储户开发一款储蓄应用程序，需要市场推广方面的建议。
大家好，我是Alessandro，unflat.finance的创始人。我们是一家意大利初创公司，正在为日常欧洲人构建一个稳定币收益应用，这些人从未接触过钱包，不知道什么是Morpho，也没有兴趣去了解。
我们目前的业务：用户通过Coinbase Pay存入欧元。我们将其转换为USDC，并将他们的存款分散到多个独立的Morpho金库中（每个金库有不同的抵押品类型和借款人承诺的150-200%的抵押），用户可以获得4-7%的年化收益率（APY）。他们只看到一个数字：他们的余额每天都在增长。没有钱包，没有燃气费，没有代币。我们为iOS和Android开发了应用，目前处于测试阶段。
市场背景：这个领域在美国正在迅速发展。Axal（a16z CSX，250万美元）、Nook（Coinbase Ventures，250万美元，平均年化收益率约为7.6%，由前Coinbase/Uber团队开发）、YieldClub（250万美元）以及Aave本身推出了一个消费者储蓄应用，年化收益率高达9%，并提供100万美元的存款保护。它们都已经上线或在等待名单上。它们都运行在同一套经过验证的基础设施上（Morpho的峰值存款达到了85亿美元，经过25次以上的审计，获得了a16z和Coinbase Ventures的6900万美元支持，并被法国兴业银行使用）。
但它们都是以美国为首的。ACH、Plaid、Apple Pay都是以美元计价的。而欧洲有超过3.5亿的银行客户，面临近乎零的利率——没有类似的产品。在美国，你可以在Marcus或Wealthfront获得4-5%的收益，而在欧洲，大多数银行的利率为0.5%或更低。这里的收益差距更大，但没有人来填补这个空白。
这就是我们的赌注。我们还在整合EURc（Circle的欧元稳定币），以确保整个流程保持以欧元计价——没有外汇风险。这是美国竞争对手无法复制的。
我们接下来想要构建的：一个AI代理，根据每个用户的风险偏好自动进行投资组合配置。用户回答几个关于风险承受能力、时间范围和目标的问题，代理会处理金库选择、再平衡、进出不同的DeFi策略。想象一下，像Wealthfront/Betterment那样的加密货币服务，而不是另一个交易机器人。Morpho的多金库架构使得这一点变得自然：不同的风险偏好对应不同的金库组合。
我需要帮助的地方：
1. 针对非加密用户的市场推广：我们的目标是那些在储蓄账户中拥有1万到5万欧元但没有收益的人，而不是加密Twitter的投机者。每个加密营销渠道都吸引了错误的受众。我们正在运行一个分层奖励的等待名单（前500名用户可获得额外2%的年化收益率，推荐奖励），但如何真正接触到普通储户？有没有人成功破解了欧洲的金融科技分销，而不在Meta/Google广告上烧钱（而且这些广告对加密行业本身就有限制）？
2. 吸引流量到网站：SEO/GEO进展缓慢，内容营销需要几个月才能见效，针对加密的付费广告如同雷区。什么真正推动了早期金融科技在欧洲的发展？我们是自筹资金的，因此资本效率高的渠道至关重要。
3. 增强非加密用户的信任：我们以极大的透明度为先——每个用户都能获得一个公开的链上链接，显示每笔存款、收益和取款。我们将风险免责声明放在显著位置（“这不是银行账户，永远不要存入你无法承受损失的资金”）。但这是否足够？什么样的信任信号能真正打动怀疑的欧洲用户？
稳定币储蓄应用的类别正在被定义。YC最近在他们的创业请求中明确列出了“稳定币金融服务”。我们认为欧洲是更大的机会——收益差距更大，而且还没有人来这里开发。希望能听到在这个领域有经验的人的意见。
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Hey HN, I'm Alessandro, founder of unflat.finance. We're an Italian startup building a stablecoin yield app for everyday Europeans people who have never touched a wallet, don't know what Morpho is, and have no interest in learning.<p>What we do today: Users deposit euros via cooinbase pay. We convert to USDC, split their deposit across multiple isolated Morpho vaults on Base chain (each with different collateral types and borrowers pledging 150-200% of what they receive), and they earn 4-7% APY. They see one number: their balance growing daily. No wallet, no gas fees, no tokens. We have apps built for both iOS and Android, currently in beta.<p>The market context: This category is exploding in the US. Axal (a16z CSX, $2.5M), Nook (Coinbase Ventures, $2.5M, ~7.6% avg APY, built by ex-Coinbase/Uber team), YieldClub ($2.5M), and Aave itself launched a consumer savings app with up to 9% APY and $1M deposit protection. They're all live or in waitlist. They all run on the same proven infrastructure (Morpho has had $8.5B in peak deposits, 25+ audits, backed by $69M from a16z and Coinbase Ventures, used by Société Générale).<p>But they're all US-first. ACH, Plaid, Apple Pay, USD-denominated. Europe 350M+ banking customers sitting at near-zero rates — has no equivalent. In the US you can get 4-5% at Marcus or Wealthfront. In Europe, most banks pay 0.5% or less. The yield gap here is wider, and nobody is serving it.<p>That's our bet. We're also working on EURc (Circle's euro stablecoin) integration so the entire flow stays euro-denominated — no FX exposure. That's something no US competitor can replicate.<p>What we want to build next: An AI agent that automates portfolio allocation based on each user's risk profile. You answer a few questions about risk tolerance, time horizon, goals the agent handles vault selection, rebalancing, entry/exit across DeFi strategies. Think Wealthfront/Betterment for crypto, not another trading bot. The multi-vault architecture on Morpho makes this natural: different risk profiles map to different vault compositions.<p>Where I need help:<p>Go-to-market for non-crypto users in Europe: Our target is the person with €10-50K in a savings account earning nothing, not crypto Twitter degens. Every crypto marketing channel attracts the wrong audience. We're running a waitlist with tiered bonuses (+2% APY for first 500 users, referral bonuses), but how do you actually reach normal savers? Has anyone cracked fintech distribution in Europe without burning cash on Meta/Google ads (which are restricted for crypto anyway)?<p>Driving traffic to the site: SEO/GEO is slow, content marketing takes months to compound, paid ads for crypto are a minefield. What's actually moved the needle for early-stage fintech in Europe? We're bootstrapped, so capital-efficient channels matter.<p>Trust for non-crypto users: We lead with radical transparency — every user gets a public on-chain link showing every deposit, earning, and withdrawal. We put risk disclaimers front and center ("this is not a bank account, never deposit what you can't afford to lose"). But is that enough? What trust signals actually convert skeptical Europeans?<p>The stablecoin savings app category is being defined right now. YC literally listed "stablecoin financial services" in their latest Requests for Startups. We think Europe is the bigger opportunity — the yield gap is wider and nobody's building here yet. Would love to hear from anyone who's built in this space.