KardX — Send & Spend

KardX is one balance that works across borders.

Hold your money as a dollar stablecoin, send it to anyone in seconds, pay out to a real bank account, invoice a client, or take card payments on your own site — all from one account, with one ledger underneath that balances to the cent.

HOLD DOLLARS THAT DO NOT DRIFT
Your balance sits as USDC, a dollar stablecoin, instead of a currency that loses value while it waits. It is spendable and sendable from the moment it lands.

SEND MONEY IN SECONDS
Send to anyone on KardX by username, email or QR code. It arrives immediately, with no network fee and nothing to wait for.

RECEIVE HOWEVER PEOPLE WANT TO PAY YOU
• Your own USD, EUR and GBP account numbers — a bank transfer to any of them becomes balance
• Your own crypto address on Ethereum, Base, Solana, Polygon, Arbitrum and Optimism
• A QR code or a KardX username

PAY OUT TO A BANK
Withdraw to your own bank account in eight currencies, and follow it with a KardX tracking number — our number, our timeline, not a provider's reference you cannot read.

RUN A BUSINESS FROM THE SAME APP
Switch to business mode for invoices that clients pay by card or by USDC, a payment gateway for your own website, payouts to contractors, expenses, and account numbers in the company's own name. Business money stays in its own balance, separate from your personal one, because mixing them is the first thing an accountant asks about.

EVERY COIN, EVERY NETWORK
Receive and hold USDC, USDT, Bitcoin, Ethereum, Solana, BNB, Tron, XLM and more. Each one at its own address, each valued live.

A CARD THAT SPENDS YOUR BALANCE
Five editions to reserve now in the founder programme, from the Early Backer to the numbered Metal Founder. Card issuing is not connected yet and the app says so — a pre-order holds your place, and nothing is activated until it is live.

KARDX POINTS
Earn points on the fees you pay and spend them on fee waivers, card discounts and membership. Points are a rewards balance, not money and not an investment: they have no cash value, cannot be transferred or withdrawn, and may expire.

BUILT PROPERLY
• Double-entry ledger — every movement is two entries that sum to zero, and your balance is computed from them, never stored in a box someone can edit
• Face ID or a PIN before balances appear
• A stamped PDF receipt for every transaction, with a code anyone can check against KardX's own record
• Account statements any month, as PDF or CSV

KardX is not a bank. Balances are held as stablecoin and through regulated partners; what we give you is an account statement, and it says so on the paper.

Questions: info@kardx.io