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Exchange crypto on the go with Kolo

Swap your favourite tokens and withdraw to fiat at the best rate with KOLO

Get the Kolo

With Kolo wallet you can 
just exchange crypto anywhere

Lowest exchange fees. AI will cherry-pick best deals for you
Support for Google & Apple Pay, bank transfers and more
Complete 1-minute KYC and get ready for the crypto wallet of tomorrow

But you don’t need to exchange crypto all the time...

Your financial freedom with Kolo

Spend crypto on the go with Kolo card

Casually pay with crypto, even at the next shop down the street
Refill Kolo card with favourite memecoins and stablecoins
Use bank transfers, Google & Apple Pay
Shop in 90M+ online stores; Steam, Ebay, Amazon and so on
Get Kolo Card

Kolo — uniting best of card and wallet worlds

Store any crypto you’d like. 6+ chains & all your favourite cryptos in one place
Never overpay for gas fees
Enjoy AML protection

Three easy steps to pay with crypto at any shop

01

Add Kolo card
to your Google or Apple Pay

02

Select crypto
for autoconversion

03

Just pay. Anywhere
Works best with PayPass terminals

More exiting features coming soon

Book Kolo Card now to get updates early

Personal IBAN, SWIFT, bank transfers & digital payments
Q'1 2025
iOS and Android app
Q'4 2025
Global expansion for wallet & card
Q'2 2025
Non-custodial wallet
Q'4 2025

Frequently asked questions

Would I be able to use crypto for online services?
Yes. Use Google Pay or Apple Pay to shop in stores or online at Amazon, Instagram, Telegram, Netflix, Steam, and many others.
How to swap crypto with the Kolo wallet?
Open Kolo, tap Swap, enter the currency and amount, press Continue — that’s it, enjoy competitive rates.
What is a Kolo hybrid crypto wallet?
Wallet with support for seven different blockchain networks with a built‑in exchange service.
How to set up a Kolo crypto payment card?
Activate your crypto card by completing a 1‑minute KYC.
How to use crypto with a Kolo card?
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.
Who can get a Kolo card?
Anyone from 170+ approved countries can obtain a Kolo card.
In which countries can I use the Kolo card?
You can use the Kolo Card to make payments anywhere in the world, as long as Google Pay or Apple Pay is accepted.
Why do I need to complete KYC to get the card?
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.
Can I top up my card with crypto?
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.
Do you comply with MiCA and the Travel Rule?
Yes, Kolo card is fully MiCA-compliant and meets all Travel Rule requirements, ensuring secure and transparent transactions in line with current regulations.