single app for
spending, sending, and banking

Yes. Use Google Pay or Apple Pay to shop in stores or online at Amazon, Instagram, Telegram, Netflix, Steam, and many others.

Open Kolo, tap Swap, enter the currency and amount, press Continue — that’s it, enjoy competitive rates.

Wallet with support for seven different blockchain networks with a built‑in exchange service.

Activate your crypto card by completing a 1‑minute KYC.

During payments, your crypto can be converted into the local currency via Apple Pay and Google Pay right after you complete a 1-minute KYC Verification in Kolo.

You can use the Kolo Card to make payments anywhere in the world, as long as Google Pay or Apple Pay is accepted.

So you would be able to: swap crypto into fiat, get AML Protection, send money from the Kolo card to a local bank account without a centralized exchange as a middleman, plus – you won’t need to complete 170+ KYCs for every country to get a local bank account – your Kolo card already acts like one.

You can top up a Kolo Card with any crypto, like BTC, ETH, LTC, USDT, or even PEPE. During payment, your crypto will be automatically converted to the local currency at a great rate — for no extra fee.

Yes, Kolo card is fully MiCA-compliant and meets all Travel Rule requirements, ensuring secure and transparent transactions in line with current regulations.