Direct Stripe settlement in each market, payments to your SaaS-to-SaaS stack in USD without hidden spread, MRR treasury in USDC. A single account for your financial operations between fiat and crypto.
Guided KYB · No setup cost · Local bank details in 5 markets from day one
MRR treasury · USDC
186 400.00 USDC
Monthly MRR: 62,000 · ARR ≈ 744,000
MRR · gateway settlement
Stack SaaS-to-SaaS · USD
You collect 30,000 USD of MRR from US clients. Stripe transfers it to your European business account. Your bank deposits €27,700 at a rate they choose. You lose €800 that appears on no invoice. Multiplied by 12 months, that's €10,000 of gross margin evaporating per year.
AWS bills in USD. Stripe in USD. Datadog, Twilio, SendGrid, Segment, OpenAI, Vercel: all in USD. Every charge to your corporate card carries a hidden 1.5-3 % spread. If you spend 20,000 USD/month on stack, that's 250-500 USD/month of margin lost with no explanation.
MRR collected by Stripe in EUR. MRR collected by Stripe in USD. Some enterprise pay by SEPA transfer. Your stack you pay with card + some USD wires. Monthly close = rebuilding everything from 4-5 different systems. Your part-time CFO or you lose bandwidth that should be on strategy.
Your investors ask for cohort analysis, gross margin by market, MRR breakdown by currency. Your current reporting is a Frankenstein of Stripe Dashboard + manual Excel + bank statements. The next round's financial DD will be painful.
Configure Stripe Europe to settle to your Kunga IBAN. Configure Stripe USA to settle to your Kunga ACH. Every collection enters your business account in the client's original currency, with no forced bank conversion to EUR at an unfavorable rate.
Your balance lives in USDC, a stable balance. When AWS, Stripe, Twilio or any supplier bills you in USD, you convert USDC to USD at the market rate with no added spread. You eliminate the 1.5-3 % hidden spread of your corporate card.
You collect today in EUR/USD, spend tomorrow in USD. Keep the balance in USDC instead of converting everything to EUR on receipt. Custody is regulated Tier-1, not on an exchange. Convert to fiat only what you'll spend this month.
Every collection logged with timestamp, source currency, USDC equivalent amount, fee and client. Exportable for your CFO, ERP or revenue analytics tool. The financial DD of your next round stops being a problem.
Your case
You sell to corporate clients in several countries. Average ticket €5-50K/year, mixed collections (Stripe + SEPA transfers + USD wires).
With Kunga
Consolidated collections by market, reporting by client and by currency. Local bank details for clients paying B2B by transfer.
Gateway settlement in each market, conversion to USDC without spread, aggregated reporting for MRR and cohort analysis.
Reception of the gateway's or processor's (Apple/Google) settlement in each market, USDC treasury management, stack payments in USD without spread.
Mixed fiat + USDC reception in the same business account, integrated reporting, stack payments from the same balance.
What Kunga IS
What Kunga is NOT
Kunga is the cross-cutting financial layer: collections + payments + treasury + reporting. Your SaaS stack for billing, analytics and payroll stays the one you already have. Kunga connects all those systems into a single financial thread.
Receive Stripe's settlement in each market, or direct B2B collections from enterprise clients, in their local currency. No hidden spread on receipt.
ViewPay AWS, Stripe, Twilio, SendGrid, Datadog, OpenAI and the rest of your stack in USD without hidden spread. Convert USDC to USD at the real rate, not your corporate card's.
ViewIf your SaaS bills over €500K/month recurring, an OTC desk with negotiated rates for large conversions and a dedicated advisor.
ViewEnter your MRR and monthly stack spend. We'll tell you what you lose in forced 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 B2B SaaS stack composition. Your real impact depends on the weight of USD collections in your MRR and the volume of USD stack payments.
For SaaS with ARR over €5M, we offer tiered conditions and a dedicated OTC desk. The base pricing doesn't change — it scales with your volume without renegotiating contracts each quarter.
Most SaaS (horizontal B2B, vertical B2B, standard B2C, developer tools, productivity, analytics, CRM, marketing tools) 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: vertical SaaS for gambling, SaaS for adult industry, unregulated financial affiliate platforms, trading "signals" SaaS without a license, marketplace SaaS with weak user KYC.
If your SaaS 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 SaaS 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. Documentation available for investor DD and auditors.
Your balance is 100 % liquid 24/7. We do no staking, lending, or any form of generating yield with your treasury. This protects you from Celsius/FTX-type counterparty risk.
We operate under a regulated European framework. Transaction monitoring to detect fraud and AML patterns, without paralyzing your operation over false positives.
Configure who can view the balance, who can operate, who approves large sends. Auditable logs. Your CFO or you don't sign movements you haven't seen.
Call with an advisor who understands SaaS models. You tell them your model (B2B, B2C, API-first, vertical), main markets, approximate MRR, stack of gateways and tools. 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 SaaS, agile due diligence. If your SaaS operates in a sensitive vertical, specific due diligence.
You receive your multi-currency bank details to configure settlement in each gateway. Multi-user access for founders, CFO, ops or your finance team.
The process duration depends on your vertical, jurisdiction and corporate complexity. Your advisor gives you realistic expectations in the first call.
No. Kunga is not checkout or a billing platform — it doesn't process credit cards on your pricing page or manage recurring subscriptions. Your gateway (Stripe, Paddle, Lemon Squeezy, Chargebee, etc.) remains the one charging your clients and managing MRR/churn. Kunga is the treasury layer that comes after: it receives each gateway's settlement, centralizes your treasury in USDC, pays your stack and reports.
Once your Kunga business account is active, you configure in the Stripe Dashboard the Kunga bank details for each market: European IBAN for Stripe Europe payouts, ACH routing for Stripe USA payouts, etc. Stripe settles as a local account in each country.
Yes, via bank transfer to their USD accounts from your USDC balance. 1:1 conversion with no added spread. This eliminates the typical 1.5-3 % hidden spread of corporate cards when you pay in USD from Europe. Note: if your supplier specifically requires credit card payment (some do), you'll still need a corporate card for that case.
A Kunga debit card is on the roadmap (planned launch). Today, Kunga is the multi-currency business account from which you make transfers. For day-to-day card expenses (advertising, SaaS tools that require a card), you still need your current corporate card (Mercury card, Brex, bank). Kunga complements.
Today we offer native CSV export of all operations, which most accounting software and ERPs process. Public API on the roadmap. For SaaS with specific integration needs and high volume, talk to an advisor about integration priorities.
Today those analytics are done from Stripe, Paddle or your billing platform directly (which already send data to ChartMogul/Baremetrics). Kunga is the layer that comes after the collection — for corporate financial reporting, you export CSV. Native integration with revenue analytics under consideration based on demand.
Reserves are applied by Stripe, not Kunga. If Stripe releases the settlement to your Kunga account, you receive it with no additional reserves on our part. If a specific operation triggers an AML alert (regulated standard on any platform), your advisor contacts you to resolve it.
Yes. If your crypto-native lead investor or Web3 fund wires you in USDC, you receive it directly in your business account with regulated Tier-1 custody. The financial DD documentation includes the source of funds.
With specific due diligence. If your SaaS operates vertically in sensitive sectors, the /alto-riesgo approach applies. Final approval depends on the sector KYB.
Availability subject to the company's country of incorporation and the residence of beneficial owners. Check at /cobertura before starting the conversation with an advisor.
Talk to an advisor who understands SaaS models, or start the account opening process directly.
Guided KYB · No setup cost · Multi-currency settlement from day one
