One balance.
Every way to move it.
Hold money as a stablecoin, then send it abroad, spend it on a card, invoice for it, take card payments on your own site, or hand it over as cash at a counter. One ledger underneath, balancing to the cent.
Held as stablecoin · spendable, sendable, withdrawable
2 min
From a card top-up to cash at a counter
2
Ledger entries behind every single movement
100%
Of balances derived, never stored in a column
Built for the routes people actually send on
What's inside
Six things that usually need six different accounts
Most people end up with a remittance app, a bank, a card, an invoicing tool and a payment processor — none of which can see the others. This is all of it on one balance.
A balance that holds its value
Money sits as a stablecoin rather than in a currency that drifts while it waits. It is spendable and sendable from the moment it lands.
A card that spends it directly
Virtual instantly, physical on request. Freeze, unfreeze, set limits and see every authorisation as it happens — with no top-up step in between.
Invoices people actually pay
Design your own invoice — logo, colours, terms, currency — send a link, and watch it settle into your balance. Recurring ones send themselves.
A checkout for your own site
Hosted page or embedded widget, styled to your brand. Drop in one script tag and you are taking payments under your name, not ours.
Cash at the other end
Not everyone you pay has a bank account. Send a transfer that is collected as physical cash at an agent counter, against a reference number.
Statements that stand up
Branded PDF or CSV, filtered by period and type, showing opening and closing balances. Settled entries only — pending never inflates a statement.
How money moves
Three steps, and nothing hidden between them
A payments product is only as good as what it does when something goes wrong. This one is built so a failure is visible rather than quietly absorbed.
It comes in
Card, bank transfer, stablecoin, cash at a counter, or a customer paying your invoice. Whatever the route, it arrives as one balance.
It sits somewhere honest
Every movement writes two entries that sum to zero. Your balance is never a number in a column someone can edit — it is derived, every time you look at it.
It goes out
Spend it on the card, send it to someone abroad, pay a contractor into their own bank account, or have it collected as cash. Same balance, no conversion dance.
For business
Get paid under your own name
Switch an account into business mode and it grows a second half: invoicing, a checkout you can put on your own site, and payouts to people who do not have a KardX account at all.
Your company
Your address, your terms
Invoice
INV-2041
Paid
Settled straight into your balance. Your customer sees your brand — nothing of ours, and nothing of anyone else’s.
Developers
One tag to take a payment. An API for the rest.
Everything the app does, the API does. Idempotency keys on every money endpoint, webhooks that are signed and replayable, and a ledger you can reconcile against your own books.
<script src="https://kardx.io/embed.js" async></script>
<div
data-kardx-checkout
data-amount="49.00"
data-currency="USD"
data-reference="order_1041"
></div>Straight answer
What is working today
This list is generated from the running system rather than written by hand. If something changes, the page changes with it — a short honest list is worth more than a long one you find out about later.
Live now
Add funds by card
Top up your balance with a debit or credit card.
Buy USDC with card
Card or bank straight into USDC, delivered to your wallet.
Pay contractors and sellers
Send money to someone else's bank account, not just their KardX balance.
Payment gateway — cards
Take card payments on your own site, hosted or embedded.
Coming soon
Self-custody wallet
An on-chain wallet of your own, created when you sign up.
Our wallet provider has not enabled key signers for this project yet.
Payment gateway — stablecoin
Accept USDC on your own site.
Per-merchant deposit addresses need wallets, which are not enabled yet.
Cash pickup and deposit
Send or collect physical cash at an agent counter.
The cash network is not connected on this deployment.
KardX card
A physical and virtual card funded straight from your balance.
Card issuing is not connected on this deployment.
Business treasury
Named USD accounts for holding and settlement.
Treasury is not connected on this deployment.
Access opens one corridor at a time
We are letting people in gradually so each route gets watched properly before the next one opens. Tell us where you are sending from and we will come to you when yours is ready.
Already have access? Sign in