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
Coming soonVirtual 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.
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>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 card
A physical and virtual card funded straight from your balance.
Coming soon.
Business treasury
Named USD accounts for holding and settlement.
Coming soon.
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