Kolo | Single app for spending, sending, and banking

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Real perks for real use

The Only Card You Need

Never lose on fees

Exchange-level rates, 0% mark-ups on USDT, USDC, EURC, and hidden charges

No more P2P headaches

Forget risky trades, long waits, unclear fees, or compliance questions from banks. Top up your card with crypto and use it for real world spending

Compliant by design

MiCA-ready and compliant with EU regulatory standards. Every transaction is AML-screened, so your assets are never frozen or flagged

Accepted everywhere

Use your stablecoins just like fiat. Kolo is never declined wherever Visa or Mastercard is accepted — online, in-store, in-app, everywhere

FAQ

Your questions collection

another question

01.

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01.

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.

02.

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.

03.

What is a Kolo hybrid crypto wallet?

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

04.

How to set up a Kolo crypto payment card?

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

05.

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.

06.

Who can get a Kolo card?

Anyone from 170+ approved countries can obtain a Kolo card.

07.

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.

08.

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.

09.

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.

10.

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.

single app for
spending, sending, and banking

Buy anything.
With any crypto

The Only Card You Need

your crypto in motion: Send to any bank account

Kolo works
nearly everywhere

Where Your Security
Comes First

Built for every coin you touch

The app 10M users
in the world use

Your questions collection

single app for
spending, sending, and banking

single app for spending, sending, and banking

Buy anything. With any crypto

The Only Card You Need

your crypto in motion: Send to any bank account

Kolo works nearly everywhere

Where Your Security Comes First

Built for every coin you touch

The app 10M users in the world use

Your questions collection

single app forspending, sending, and banking

single app for
spending, sending, and banking

Buy anything.
With any crypto

Kolo works
nearly everywhere

Where Your Security
Comes First

The app 10M users
in the world use

single app for
spending, sending, and banking