The One app for your money
Do more with your Kadja account than you can with your actual bank.
5%+
Annual Yield
150+
Countries Covered
Minutes
To Get Started
Faster.
Get your virtual card instantly and start spending in minutes, not days.
Cheaper.
Flat low fees on transfers. No hidden charges, no surprises.
Better.
Earn 5%+ yield on your balance while you spend. Your money never sleeps.
Spend while you earn
Pay with your stablecoin balance as it earns 5%+ APY. Your money keeps working for you, even after you spend it.
Earn on Every Balance
5%+ annual yield on your entire account balance
Spend Directly
Use your VISA card instantly with no manual top-ups needed
Keep Earning
Yield continues accruing even as you make purchases
No Fees on Transfers
Send USDC anywhere with zero fees on Kadja routes
Your Yield in Action
Monthly Yield
$2.08
Annual Yield
$25.00
At 5% APY
Your balance grows automatically
Even while you spend and send money
Get started in minutes, not hours
Simple in-app verification
Complete KYC in minutes with just your phone
Instant virtual card on approval
Get a working card number immediately
Add to Apple Pay and Google Pay
Start spending anywhere Visa is accepted
One app. One card. No borders.
Borderless Coverage
Use your card in 150+ countries. Tap, swipe, or buy online anywhere Visa is accepted.
Instant Virtual Card
Generate a virtual card instantly, and order your premium physical card in-app.
Your Money Never Sleeps
Your stablecoins should work until the moment you use them. Keep earning while you spend.
You Control Your Money
Manage how your card is used, get instant alerts, and freeze or unfreeze it with a tap.
Security that protects every payment
Your money is our priority. Kadja is independently audited, continuously monitored, and protected by strong controls.
Your money is our priority
Kadja is independently audited, continuously monitored, and protected by strong controls.
You control your money, not us
Manage how your card is used, get instant alerts, and freeze or unfreeze it with a tap.
Bank-grade protection
256-bit AES encryption, hardware-backed keys, and fraud monitoring 24/7.
Send to 150+ Countries
Haiti
15k+ Active Families
MonCash, Natcom
Nigeria
25k+ Active Families
M-Pesa, Bank Transfer
Jamaica
10k+ Active Families
Mobile Money, Bank
Guyana
5k+ Active Families
Mobile Money
How Kadja Works
Send money instantly using USDC stablecoins. No hidden fees, just real value that reaches your family faster.
Deposit
Link your bank or deposit cash. We instantly convert it to USDC.
Send
USDC travels across the internet in seconds, bypassing slow banking networks.
Receive
Your family receives it as local currency in their mobile wallet instantly.
Make stablecoins your everyday money
Join thousands of families earning yield while sending money home instantly.