Karma: Crypto, Card & Wallet

Karma Fintech LTD

About this app

Karma is a non-custodial crypto wallet with built-in token swaps and a card accepted wherever Visa is.

Wallet
- Non-custodial — Your keys, your crypto. Secured with biometrics
and passkeys.
- Built on Solana for fast, low-cost transactions.
- See your balance in USDC or your local currency with live
exchange rates.

Swap
- Swap between popular Solana tokens directly in the app.
- Real-time prices and instant execution.

Card
- Turn your crypto into real-world spending at Visa-accepting
merchants worldwide.
- Track all your card transactions in one place.

On-ramp
- Receive fiat via your personal IBAN or ACH account number.
- Funds are automatically converted to USDC in your wallet

Send
- Send funds to any IBAN or ACH bank account.
- Send USDC to any Karma user instantly with zero fees.
- Convert crypto to fiat and withdraw directly.
- Send any SPL token directly from the Karma app to any wallet

Card
- Turn your crypto into real-world spending at Visa-accepting
merchants worldwide.
- Track all your card transactions in one place.

Earn
- Invite friends and earn rewards when they join Karma.

HOW IT WORKS
1. Sign up with your email
2. Complete identity verification
3. Set up your non-custodial wallet (secured by passkey)
4. Fund via IBAN, ACH, or crypto deposit
5. Swap tokens, send to friends, withdraw to bank, or spend at
Visa-accepting merchants

Only you control your funds. Subject to eligibility and applicable requirements.