Your local bank doesn’t offer dollar accounts. The ones that do charge you to hold them — and your balance earns nothing.
0% YIELD — HIGH FEES — LIMITED ACCESS
Custodial, complex, and one regulatory order away from freezing everything you have.
CUSTODIAL — FREEZEABLE — COMPLEX UX
They quote a great rate, then take it back in the spread. Your family receives less than the number you typed. Every time.
3–5% HIDDEN FEE — SLOW — OPAQUE
Open a USD account from anywhere in the world. No minimums, no maintenance fees. Your dollars earn T-Bill yield from the moment they land.
✓ ~3% APY — NO FEES — GLOBAL ACCESS
Non-custodial from the ground up. Your wallet, your keys. Deposit stablecoins directly — no one stands between you and your money.
✓ SELF-CUSTODY — ALWAYS ACCESSIBLE
One flat fee, shown upfront. Nothing buried in the exchange rate. What you send is what arrives.
✓ FLAT FEE — INSTANT — TRANSPARENT
You bill clients in New York, London, San Francisco.
But every payment gets clipped on the way to your local account. Kays holds your dollars as dollars — and earns yield on them while you work.
.00 USDC
0.00 USDC
.00 USDC
Wire charges, exchange markups, "service fees", remittance apps skim from both ends and hope you don't notice. Kays delivers the full amount, fast, with one transparent fee you see before you send.
.00 USDC
0.00 USDC
.00 USDC
Every border crossing costs you — FX fees, card surcharges, declined transactions. Kays gives you one dollar balance and a payment card that works at 150M+ merchants worldwide. No surprises at checkout.
Deposit USDT or USDC directly.
Earn T-Bill yield on the balance. Spend through Kays at any merchant, anywhere. And you never hand over your keys to do it.
Tap 'Load Card', fund it in seconds, and spend anywhere in the world.
Digital wallets. Online checkout. In-store. Your dollar balance, finally spendable.
Kays is non-custodial. We don't hold your funds, we don't control your keys, and we can't freeze your account. Your wallet is yours.
Every dollar in your Kays vault earns yield automatically.
No staking. No locking up funds. No complicated DeFi. Just hold dollars — and watch them grow.
Available on iOS and Android
Takes 2–3 minutes. One-time only.
Receive USDC/USDT from any platform or client
Your wallet works. You don't have to.
Available on iOS and Android
Takes 2–3 minutes. One-time only.
Receive USDC/USDT from any platform or client
Your wallet works. You don't have to.
