# Torque

> Torque is a global technology company that develops a non-custodial digital wallet unifying balances, execution and settlement.

Source: https://www.neobank.wiki/torque
Last updated: 2026-08-16
Categories: Financial technology, United States fintech, United States neobanks, Self-custody finance, Cryptocurrency companies, Super-app neobanks

**Torque** is a global technology company that primarily develops a non-custodial digital wallet. It brings balances, execution and settlement into one interface for individuals and businesses, with the goal of making financial actions faster, smarter and unified in one place.[^tq1]

## History

Torque positions itself as infrastructure for onchain finance: aggregating balances, yield and credit into one product surface for individuals, businesses and developers integrating via API.

## Founders

**Cameron Conrad** is the founder and chief executive officer of [Torque](/torque). Based in Newport Beach, California, Conrad founded Torque in 2023 as a global technology company that primarily develops a non-custodial digital wallet. The product brings balances, execution and settlement into one interface for individuals and businesses, with the goal of making financial actions faster, smarter and unified in one place while users retain custody.

Before Torque, Conrad built and scaled eCommerce businesses beginning in 2016, including consumer brands and dropship.co, a product sourcing marketplace that enabled automated order fulfillment, after teaching himself full-stack web development. That operator background informs Torque's focus on automation, routing and a unified interface for individuals, businesses and developers integrating via API. Conrad leads Torque alongside an executive team spanning operations, engineering and ecosystem partnerships. Torque states it is not a bank and balances are not FDIC-insured.

## Positioning

Torque positions itself as a non-custodial Money OS rather than a deposit-taking [neobank](/neobank): users keep custody while accessing trade, transfer, lend and borrow flows from one balance. It targets individuals, businesses and developers via API, and explicitly states it is not a bank and balances are not FDIC-insured.

## Products

- **Wallet** - A non-custodial digital wallet (passkeys and smart accounts) that unifies balances, execution and settlement across Bitcoin, EVM and Solana. Users can trade, including perpetuals, lend, borrow, send, request and claim payment links from one portfolio, with cash sleeves and tokenized stocks or commodities where offered.
- **Torque Intelligence** - Conversational assistant (web, in-app drawer and Telegram) that answers questions and can prepare trades, transfers, lending, borrowing and other actions for user confirmation. Synthesis surfaces produce market and news briefings (including a Market Outlook widget). Voice covers dictation, spoken replies via text-to-speech, and an optional hands-free voice mode.
- **Embedded finance** - Platform API and SDKs so other products can embed Torque: accounts and portfolio reads, Intelligence, Assistant chat, and execute for trade, transfer, lend, borrow and pay. Torque Connect hosts confirmation and OAuth for partner wallets. Merchants get hosted checkout, a checkout SDK, invoices, catalog and subscriptions, plus Torque Business (treasury and Counter Pay QR for in-store collection).

## External links

- [Torque official website](https://torque.fi/)
- [X (@torquefi)](https://x.com/torquefi)
- [LinkedIn](https://www.linkedin.com/company/torquefi)

## Infobox

- **Founded**: 2023
- **Founder**: [Cameron Conrad](/cameron-conrad)
- **Headquarters**: Newport Beach, U.S.
- **Type**: Private
- **Website**: [torque.fi](https://torque.fi/)
- **Model**: Self-custody wallet / Money OS
- **Focus**: Trade, transfer, lend, borrow

## Frequently asked questions

### What is Torque?

Torque is a global technology company that develops a non-custodial digital wallet unifying balances, execution and settlement.

### When was Torque founded?

Torque was founded in 2023.

### Where is Torque headquartered?

Torque is headquartered in Newport Beach, U.S..

### Who founded Torque?

Torque was founded by [Cameron Conrad](/cameron-conrad).

### What type of company is Torque?

Torque is described as Self-custody wallet / Money OS in its neobank.wiki profile.

### What is the official Torque website?

The official website for Torque is https://torque.fi/.


## References

[^tq1]: Torque describes its products as non-custodial wallet and automation tools; it is not a licensed bank.