KardX — Send & Spend

KUIQ DEAL INFORMATION TECHNOLOGY

About this app

KardX is a cross-border money account built for people who send money
home and for the businesses that pay them.
Hold a stablecoin balance, pay it out to a bank account in the country
that matters to you, collect from customers, and see every movement on
one statement.
WHAT YOU CAN DO
• Hold a balance
Your money sits in USDC, a dollar-denominated stablecoin. The balance
on your screen is computed from the ledger every time you look at it.
• Send to another KardX account
Instant, and free between members.
• Pay out to a bank
Send to a bank account in over 200 countries. You see the amount, the
fee and what actually lands before you confirm — not after.
• Add funds
Top up by card, or receive a transfer from someone else on KardX.
• Cash pickup
Collect in cash through a partner network, where that is available to
you.
• Invoices and payments
Raise a branded invoice, send it, and get paid into the same balance.
Businesses get a hosted checkout page too.
• Statements
Export a branded PDF or a CSV for any date range you choose.
HOW YOUR MONEY IS HELD
Every transaction in KardX is written as double-entry ledger records
that sum to zero. There is no editable "balance" column anywhere in the
system — your balance is the sum of your entries, which is why your
statement and your balance can never disagree with each other.
Amounts are held in whole minor units. Nothing is stored as a decimal
that can drift.
SECURITY
• Your password and then a one-time code — the second step is not
optional on an account that holds money
• Face ID or fingerprint to open the app, if you turn it on
• Card details are never stored on your device
WHO IT IS FOR
People sending money from the Gulf to South Asia, and the freelancers
and small businesses invoicing across the same corridor.

What’s new

Welcome to KardX.
Hold a dollar balance, send it to a bank account abroad, pay out to any KardX member instantly, and invoice for your work — all on one ledger, so your balance and your statement always agree.
Sign in with a username and password, and a one-time code. Your money is never held as a number anyone can edit.