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
11
Networks watched for incoming stablecoin
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
Pre-orderVirtual and physical, funded straight from your balance, with freezing, limits and live authorisations. Not issuing yet — reserve an edition in the founder programme.
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
Coming soonNot everyone you pay has a bank account. Send a transfer that is collected as physical cash at an agent counter, against a reference number. Not open yet.
Statements that stand up
Branded and print-ready, or CSV, filtered by period and type, showing opening and closing balances. Each one carries a code so whoever you hand it to can check it with us. 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.
The whole list
Everything you get, in plain words
No feature is listed here that does not exist. The two that are not switched on yet say so.
Personal
One dollar balance, every way in and out.
- USDC balanceHolds its value while it waits. Every figure derived from a double-entry ledger.
- Send to any KardX userBy username, email or QR. Instant, no network, no fee.
- Receive crypto on 11 networksUSDC and USDT are added to your balance as dollars; other coins sit at your own address.
- Your own account numbersUSD, GBP and EUR deposit accounts in your name. A wire to them becomes balance.
- Instant bank payoutsUSD, EUR, GBP, MXN, BRL, COP, ARS and AUD at a live rate you see before you confirm.
- Payouts anywhere elsePakistan, India, the Philippines and beyond, by bank transfer within 1–5 business days.
- Payout trackingA KardX tracking number, a step-by-step timeline and the bank reference on every receipt.
- Swap coinsOne coin into another at a live quote.
- Buy crypto by cardCard in, coins to your own address.
- KardX cardPre-orderFive editions to reserve now — pre-order is open. Issued the moment the programme goes live.
- Cash pickupComing soonCollected as cash at an agent counter against a reference.
Business
Switch the same account into business mode.
- Invoice designerYour logo, colours, terms and numbering. Preview as you edit; send as a link or a PDF.
- Paid by card or USDCEvery invoice link takes a card, or USDC on the network the payer chooses.
- Recurring invoices, reminders, late feesThey send themselves, chase themselves, and apply the terms you set.
- Estimates and payment plansQuote first, then split a large invoice into instalments.
- Client portalYour clients see their invoices and pay without an account.
- Hosted and embedded checkoutA payment page under your brand, or one script tag on your own site. Card and USDC.
- Settle to your own StripeConnect an account in 45 countries and card money never touches us.
- Pay contractors and sellersThey onboard themselves; their bank details never touch you.
- Team accessInvite people with roles, so nobody shares a login.
- Analytics, expenses, inventoryWhat came in, what went out, what is on the shelf.
- Statements that stand upBranded PDF or CSV with opening and closing balances and a check code.
- EscrowHold a payment until both sides say it is done.
Trust and security
Built so a failure is visible, not absorbed.
- Double-entry ledgerTwo entries behind every movement, summing to zero. Balances are never a number in a column.
- Stamped receiptsEvery receipt carries a seal, a QR code and a fingerprint anyone can check against our record.
- Sign-in with a code, every timeGoogle or an email code. Passkeys and an authenticator app if you want them.
- App PIN and Face IDThe phone app locks itself; balances are never shown to whoever picks it up.
- Identity verificationOnce, with our banking partner. Limits rise as you verify.
- Every admin change confirmedOur own operators confirm a second factor before they touch anything.
- Invite and earnShare your code and earn 20% of the fees your invitees generate for a year.
- Developer checkout APICreate a session from your server and read it back. Webhook delivery to you is not built yet.
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. Hosted or embedded.
Drop in the script tag and take a card, bank transfer or stablecoin payment on your own site. Create a session from your server, read its status back, and reconcile against a double-entry ledger.
Webhook delivery is not built yet — confirm a payment by reading the session back, not by waiting for a call from us.
<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>On your phone
The same balance, in your pocket
Send, receive, invoice, pay out, track a payout by its KardX number, and reserve your card — with Face ID and a PIN keeping balances off anyone else's screen.
One account across web and phone. Sign in with Google or an email code; nothing to set up twice.
Available
$2,480.61
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.
Self-custody wallet
An on-chain wallet of your own, created when you sign up.
Payment gateway — stablecoin
Accept USDC on your own site.
Deposit crypto
Your own on-chain address to receive USDC from any wallet or exchange.
Send crypto out
Send USDC from your balance to an external wallet address.
Swap coins
Trade one coin for another inside your own address — USDT to USDC, ETH, wrapped BTC.
Identity verification
Verify who you are to raise your limits and unlock the card.
Bank deposit accounts
An account number of your own — money wired to it becomes balance.
Coming soon
Cash pickup and deposit
Send or collect physical cash at an agent counter.
Coming soon.
KardX cardPre-order
A physical and virtual card funded straight from your balance.
Pre-order open. Reserve your edition now; it is issued the moment the card programme goes live.
Business treasury
Named USD accounts for holding and settlement.
Coming soon. Treasury is not connected on this deployment yet.
Open your account in two minutes
Sign up with Google or an email code, verify once with our banking partner, and you have a balance, your own account numbers and a way to send, spend and get paid.
Already have access? Sign in