Collect from clients in EUR, USD, MXN, BRL and GBP. Pay freelancers and contractors in any currency or in USDC. A single platform for your international financial operations.
Guided KYB · No setup cost · Available for agencies in your country
Still operating as a solo freelancer? /freelancers
Agency treasury · single balance
96 400.00 USDC
Incoming · client retainers
Outgoing · distributed team
You bill 15,000 USD for a monthly retainer to a New York client. Your bank deposits €13,850 at a rate they choose. You lose €600 that appears on no invoice. Every month, every client.
You have 4-6 different tools to pay your network of collaborators. Each with a different statement, different currency, different fee. Your ops manager spends two days a month just squaring retainer payments.
You closed a retainer with a Web3 agency or a crypto-native client paying in USDC. Your bank rejects the deposit. You either give up the client, or accept payments in a personal wallet mixing everything together.
Collections in Stripe + SEPA invoicing + international transfers + payments via Wise + some via USDC. At quarter-end, squaring real margin, real fees and effective FX rate is a sudoku your part-time CFO (or you) does.
When you activate your business account you get a European IBAN, US ACH routing, Mexican CLABE and support for BRL and GBP. Share the local details with each client. Your US client pays your ACH as a local transfer. No SWIFT, no hidden spread.
Your freelancer in CDMX collects in MXN. Your copy in Berlin in EUR. Your dev in Buenos Aires in USDC because they live across three countries. Your partner in Lisbon in EUR. All from the same Kunga balance, with visible cost before confirming.
Your incoming retainers convert 1:1 to USDC, no spread. Your cash flow lives in a stable balance. Convert to EUR, USD, MXN or whatever you need for payroll and suppliers, only when you need it.
Every collection and payment logged with timestamp, currency, counterparty, applied FX rate and fee. Exportable for your accounting. Your CFO or you can see real margin per client and real cost per supplier without rebuilding spreadsheets.
Collections in the client's currency, payments to contractors in their local currency. Reporting by client and by channel.
Consolidated collections in USDC, payments to partner studios in their currency, management of project advances and milestones.
B2B collections with local bank details (important for your corporate clients). Payments to consultants with clear tax reporting.
Direct USDC reception, mixed fiat + crypto payments from the same balance, integrated reporting.
What Kunga IS
What Kunga is NOT
If you use Deel or Remote to manage your full-time team's contracts, Kunga complements that operation by covering multi-currency collections, payments to contractors outside Deel/Remote's scope (one-off projects, partner agencies, peak-load freelancers) and treasury.
Receive your US client's payment as if you were a local account in the US. European client, as local in Europe. No hidden spread on receipt.
ViewPay your freelancers, contractors, partner agencies and suppliers in any currency or in USDC. Visible cost before confirming.
ViewIf your agency handles retainers over €50,000/operation or high recurring volume, OTC conditions with negotiated rates.
ViewEnter your typical monthly operations. We'll tell you what you lose in fees, conversions and spreads, and what you recover with Kunga.
Estimated annual cost with your current stack:
Estimated annual cost with Kunga:
Estimate based on average sector rates Q1 2026 and typical agency operations. If you use Deel/Remote for your full-time team, those costs aren't considered here — Kunga complements, doesn't replace.
For agencies with high recurring volume (>€500K/month in collections and payments), tiered conditions. If your agency operates in specific sectors (gambling, adult, aggressive affiliate marketing), specific due diligence applies — talk to an advisor.
Most agencies and consultancies (marketing, branding, creative, strategic, communication, tech) operate as a standard company and apply the conditions on this page.
Some sub-segments may fall into a high-risk category based on due diligence: marketing agencies specialized in gambling, adult industry, regulated products (supplements with strong claims, brokers, ICOs), affiliate agencies with unverifiable traffic metrics, black-hat SEO or mass link-building agencies.
If your agency falls into any of these sub-segments, we don't reject you by default: we apply specific due diligence and, if it meets applicable regulatory criteria, we operate with you under agreed conditions.
See the approach for agencies in sensitive sectorsYour funds are custodied by regulated Tier-1 entities, separated from Kunga's operations. Custody is in your company's name, segregated and auditable.
We don't freeze a percentage of your collections like traditional payment platforms. If a specific operation requires regulatory validation (AML standard), your advisor contacts you directly.
We operate under a regulated European framework. Transaction monitoring to detect fraud or AML patterns, without paralyzing your operation over false positives.
Every operation is logged and exportable. If a corporate client asks for proof of their payment or your accountant needs detailed information by period, it's available.
Call with an advisor who understands agency models. You tell them your model (boutique, performance, creative, consulting, etc.), markets where you have clients, distributed team, approximate volume. The advisor confirms whether we can operate with you and under what conditions.
A dedicated advisor guides you through verification: corporate documentation, beneficial owners, proportional due diligence. For standard agencies, agile due diligence. For agencies in sensitive sectors, specific due diligence.
You receive your multi-currency bank details, multi-user access for your finance, ops or founders, and a direct channel with your advisor.
The process duration depends on your vertical, jurisdiction and corporate complexity. Your advisor gives you realistic expectations in the first call.
No. Deel and Remote manage employment contracts, tax withholdings, filings per jurisdiction, etc. Kunga is the multi-currency business account where you collect from clients and from which you pay contractors, project freelancers and suppliers outside Deel/Remote's scope. Many agencies use both: Deel/Remote for full-time, Kunga for everything else + collections + treasury.
Yes. Your client doesn't need Kunga. You share your local bank details: European IBAN if they're in Europe, ACH routing if in the US, CLABE if in Mexico, etc. Your client pays from their bank as a local transfer in their country.
Yes. If your client pays in USDC (common with Web3 clients, DAOs, or crypto-natives), they wire to your Kunga wallet address on Ethereum, Polygon, Solana or Tron. The USDC enters your business account with regulated Tier-1 custody.
From your Kunga account you can send to any contractor or freelancer in their local currency (EUR, USD, MXN, BRL, GBP) or in USDC to their wallet. Each send is logged with recipient details, amount, currency, FX rate and fee. Exportable for your accounting.
Yes. The business account supports multi-user access with role permissions: read-only (for external advisors or auditors), standard operations (CFO, ops manager), large-send approval (founders), administration (account configuration).
Each payment is logged with recipient details (name, country, currency, original amount, fee, date). Export the CSV when your accountant needs it. Kunga is not a tax advisor — correct filing per tax treaties and local regulation is your responsibility.
Yes, with specific due diligence. If your agency has clients in sensitive sectors, the /alto-riesgo approach applies. Final approval depends on the sector KYB.
No minimum. From 2-person agencies to consultancies of 50+ can open an account. Specific conditions (OTC, tiered rates) activate at high volumes.
Today we offer CSV export of all operations, compatible with most accounting software (Holded, Quaderno, Xero, FreshBooks, etc.). API integrations in development. For high-volume agencies, talk to an advisor about integration priorities.
Availability subject to the company's country of incorporation and the residence of beneficial owners. Check at /cobertura before the first conversation with an advisor.
Talk to an advisor who knows agency models, or start the account opening process directly.
Guided KYB · No setup cost · Local bank details in 5 markets from day one
