Most of us take advantage of traditional banking accounts, earning interest (however small) on our hard-earned money.
Tan Gera is all about taking that concept to the next level, using your cryptocurrency to do the exact same thing.
I love the thought of earning interest on my digital coins, but how well does this system really work?
In this Become Your Own Bank review, I examine whether it lives up to expectations and how it fits among existing decentralized yield strategies.
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What Is Become Your Own Bank (BYOB)?
Become Your Own Bank (often shortened to BYOB) is a crypto-focused education and implementation program created by Tan Gera and the team at Decentralized Masters.
The premise is simple: use the same strategy banks use with fiat currency and apply it to your dormant crypto.
Inside, you get training and a series of tools that connect the dots on how the process works, from yield generation to risk management.
In my mind, it follows the growing shift from traditional banking to blockchain-based finance, offering the same loan-it-and-forget-it approach.
There’s quite a bit to unpack here, so let’s unpack how the platform works.
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What Is Inside Tan Gera’s Become Your Own Bank (BYOB) Presentation?
If you’re a crypto user, I’m guessing you have at least a few coins hanging out on a wallet that are collecting digital dust.
With all the volatility surrounding the crypto market, they could be working for you or doing just the opposite.
I try to keep up on trading, but there’s no way I can juggle all the digital assets I have all the time.
That’s where Tan Gera’s idea of “crypto banking” comes in.
Imagine loaning people your access coins and making money off them the same way traditional banks work.
He’s cracked the code on a system, and it’s even easier to use than it sounds.
Why Banks Keep Profiting While Others Wait
Banks as we know them really have it made in the shade.
They hold your money for you and promise small amounts of interest, but in the background, they’ve already handed your money to someone else who then pays them to use it.
That bank makes a lot of money off that transaction, and you have just about nothing to show for it.
Of course, there’s no way any of us can compete with these massive organizations in any capacity close to this, and I wouldn’t even think about trying.
The game is hopelessly rigged in their favor, and quite frankly, they have no issue keeping the lion’s share of the interest payments they receive.
According to Tan Gera, that’s all about to change.
How Crypto Changes the Dynamic
As amazing as crypto can be for generating wealth, it’s just as likely to be a stressful time sink as the market and sentiment ebb and flow.
There has to be an easier way, and Tan Gera says he has the solution.
You can act as a crypto bank, letting folks borrow your coins for trades they want to make.
Best of all, you get your crypto back when they’re done, plus an interest payment for letting them use your stuff. Little to no time or effort involved.
Sure, there’s a bit more to it than that, but why not put your digital assets to good use? If it works for a bank, it can work for me.
Even getting started is a breeze, as Tan’s already laid out the process from start to finish for each of us.
The entire system is yours, so long as you become a Become Your Own Bank member.
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Become Your Own Bank Review: What Comes With BYOB?
Here’s everything you get after joining the Become Your Own Bank system:
Access to the Proprietary 3-Step ABN System
At the center of BYOB is Decentralized Masters’ proprietary 3-step ABN system, which is designed to mirror how banks approach capital deployment.
The crew first positions your crypto to survive in any market condition, offering maximum stability and upside potential.
Next, you’re set up to effectively be the bank – earning passive income the exact same way traditional banks do.
Finally, BYOB taps into what they call “native market access protocol”, which is fancy speak for their proprietary wealth-acceleration system.
Rolled up, it’s a proven system to build off the digital currency you have “lying around”. Might as well put it to good use, right?
Liquidity Pool Strategy Framework
The liquidity pool framework is where the banking concept becomes practical.
These pools act as pick-up areas for your coins that others can come in and trade with.
They pay a fee to you for letting them use your assets and (in theory) make money off the trade. It’s a win-win.
I know what you’re thinking, and let me put your mind at ease. That borrower has to put down collateral before making a trade, so if something goes awry, you’ll get those funds back without having to do a thing.
It’s a foolproof system that keeps your crypto secure no matter what.
Ongoing Updates and Guidance
Crypto environments change, and BYOB accounts for that through ongoing updates and guidance.
Members receive regular insights that reflect shifts in market conditions, protocol changes, and broader trends that may affect yield strategies.
These updates are meant to help members stay aligned with the system rather than react emotionally to headlines.
What I appreciated is that the guidance focuses on when to reassess or adjust, not on day-to-day noise.
This keeps the approach grounded and helps members maintain consistency without feeling like they need to monitor markets around the clock.
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1-on-1 Mentorship With a Trained Crypto Expert
BYOB also includes access to one-on-one mentorship with trained crypto experts familiar with the system who are part of the Decentralized Masters network.
It’s all about helping you work through setup questions, clarify concepts, and avoid common mistakes early on.
Instead of generic support, these sessions focus on applying the framework to your own situation and risk tolerance.
This is not distant help, either. It may be virtual, but your mentor literally walks you through your process and shows you where to click.
I’ve found that this really helps shorten the learning curve, especially if you want reassurance before committing capital.
Access to a Mastermind Community
Members gain entry to a private mastermind community made up of others actively using the BYOB framework.
These are high-profile individuals who are already doing the system right and know how to make money using crypto.
Think of it as a space to share experiences, ask practical questions, and learn from how others are applying the system.
Seeing how different members approach the same structure can be useful, especially when navigating new protocols or market shifts.
The community element helps reinforce discipline and provides perspective, which can be valuable in a space where people often operate in isolation.
Access to Private Training Materials
Finally, BYOB includes a library of private training materials that support the core program.
These resources expand on key concepts, walk through setup processes, and revisit important principles around yield and risk.
I go back and reference these frequently, and you’ll likely find yourself doing the same.
It’s in video format, which saves a lot of time, and you can even have it playing next to you as you set up your system.
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Refund Policy
At the time of this review, Decentralized Masters doesn’t offer a refund or money-back guarantee for its Become Your Own Bank bundle that I can see. 
That means anyone considering the program should approach the decision with the expectation that enrollment is likely final.
For that reason, it’s important to fully understand the framework, the level of involvement required, and whether the approach fits your goals before joining.
The absence of a stated refund policy isn’t unusual for hands-on crypto education programs, but it does place more responsibility on you to be confident in your decision upfront.
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Pros and Cons
Every system has strengths and trade-offs. Here’s how this one stacks up.
Pros
- Proven 3-point system for generating passive income from crypto
- Clear banking-style framework
- Led by a CFA charterholder
- 1-on-1 coaching with a professional
- Active community
- Multiple training materials
- Uses assets you already own
- Designed for low time commitment
Cons
- Requires basic crypto familiarity
- Must have digital currency before joining
Become Your Own Bank Reviews by Real Members
One thing that stands out in the Become Your Own Bank materials is how consistently members describe the same outcome: their crypto finally feels like it’s doing something productive.
Decentralized Masters, the company behind the platform, boasts a 4.8 out of 5-star rating on TrustPilot with more than 600 reviews.
That’s incredibly impressive to me, and if you watch the promo video, you’ll hear a few testimonies of just how BYOB worked for them.
Although no one can guarantee you’ll have the same luck, having so many positive reviews gave me a huge vote of confidence about using it myself.
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Become Your Own Bank Track Record and Performance
Based on my research, over 3,500 members have used Tan Gera’s framework over the years.
Tan Gera references results from more than 3,000 participants who have applied the framework over the past few years.
According to the site, members have generated average returns in the range of roughly 3% to 8% per month, depending on how capital was deployed and market conditions at the time.
Several examples shown point to annualized yields that significantly outpaced traditional savings or index-based approaches, with some members reporting triple-digit percentage growth over longer periods.
It’s also made clear that outcomes vary. Tan repeatedly emphasizes that position size, risk tolerance, and discipline play a major role in performance.
The system isn’t framed as a guarantee or a shortcut, but as a repeatable structure
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How Much Does Become Your Own Bank Cost?
Pricing for Become Your Own Bank is presented after you go through the training overview, and it’s structured around a few different membership tiers rather than a single flat option.
Each plan is designed to meet people at different stages, from those who want the core framework and training to those who prefer more hands-on guidance and direct support.
Higher-tier options typically include deeper access to mentorship, more direct interaction with trained experts, and added implementation support, while entry-level access focuses on the core system and education.
From what’s shown during enrollment, Tan Gera also positions the program with limited-time discounts, which reduce the upfront cost compared to standard pricing.
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Is Become Your Own Bank Worth It?
After spending time with the material, Become Your Own Bank review really really sets itself apart with a unique twist on crypto gains.
The program isn’t trying to turn crypto into a fast-moving trade or a guessing game. Instead, it’s built for structure, repeatability, and a clearer understanding of how yield is actually generated.
If you’re comfortable learning a framework and applying it patiently, the approach makes sense.
For those already familiar with Decentralized Masters, BYOB feels like a natural extension of the services they already provide.
It won’t appeal to everyone, but for readers who want their crypto working in the background instead of sitting idle, it’s a solid option worth considering.
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Final Thoughts: How to Profit From the BYOB Strategy
The real value in Become Your Own Bank is learning how to think like a bank instead of a depositor. That mindset shift alone changes how you approach capital, risk, and returns.
You don’t need to reveal the strategy publicly or guess your way through DeFi. Tan lays out a clear system that can be implemented step by step.
If you want to start capturing yield that banks usually keep for themselves, the next step is to join the program before enrollment conditions change.
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