Banks are inefficient, opaque, and fragile, whereas DeFi has a poor user experience and operates in a closed economy. Xade is a super app providing all banking services powered by DeFi protocols with the experience of a digital bank. The major hurdles in DeFi today are: (1.)Unsustainable Economics and Incentives; (2.)Tedious User Experience; (3.)No Real World Utility. Xade aims to solve these problems.