The US dollar has lost 24% of its value since 2020, while the S&P 500 has risen by over 64%. The lesson is clear: cash loses value, assets grow it - and yet it's only the rich who benefit. We’re building an on-chain credit card that lets you hold assets instead of cash. Existing crypto cards require you to sell your crypto for depreciating stablecoins/fiat in order to spend. With Pyra, 100% of your wealth stays as assets, earning DeFi yield, even after you pay - because instead of selling your investments, Pyra takes out a DeFi loans to cover expenses. Since you don’t sell your assets, you don’t incur any capital gains tax. And, if your assets appreciate in price, you keep all the gains. The best strategies are no longer reserved for the 1%. Our mission is to let everyday people use any investment as collateral for regular spending, replacing depreciating bank accounts with on-chain money market funds to help people grow wealth in a simplified and tax-efficient way.