Collect from clients in any market, pay your global team, manage runway in USDC. European IBAN, US ACH, Mexican CLABE and USDC wallet from the same business account.
KYB guided by a dedicated advisor · No setup cost · Available for startups in your country
Runway · single balance
842 300.00 USDC
In · client payments
Out · global team
You have investors in USD, clients in LATAM, contractors in 4 countries. Your bank assigned you a rep who doesn't answer and a system designed for local sole traders. Every international operation is a call, a form and a wait of days.
Your first American client pays 5,000 USD. Your bank deposits €4,620 at a rate they decide. You lose €200 you'll never see explained on an invoice. Multiplied by 50 clients a year, that's runway evaporating.
Your LATAM contractor charges via Wise. Your EUR coworking via local transfer. Your SaaS stack in USD via company card. Your first crypto-native hire in USDC. Four reports, four reconciliations, your part-time CFO spends more time squaring than analyzing.
Your crypto-native lead investor wires the round in USDC. Your bank rejects it or opens a weeks-long compliance process. You want to pay your first hire and the money is trapped in an exchange wallet.
A dedicated advisor guides you through opening. No blind forms, no rep who doesn't answer. We understand startup models, new sectors and corporate structures across jurisdictions. You talk to a person who understands your business.
When you activate your business account you get a European IBAN, US ACH routing, Mexican CLABE and USDC wallet. Collect as a local company in each market. No account in each country, no SWIFT, no intermediaries.
Your round arrives in USD, EUR or USDC. You keep it in USDC as a stable, liquid balance, converting to fiat only what you'll spend. Your CFO sees one balance, not five scattered accounts. Custody is regulated Tier-1, not on an exchange.
From pre-seed to Series B on the same platform. Multi-user with role permissions, dual approvals for large sends, OTC desk when your volume justifies it. You don't have to switch systems when you raise the next round.
We support solo founders with no prior banking track record. Operational account to receive the round and start paying your first contractors.
Payments in any currency with visible cost before confirming. Your CFO or ops manager pays everyone from a single platform and exports for accounting.
Local bank details (IBAN, ACH, CLABE) to collect as a local company in each market. Consolidated settlement in USDC.
Native fiat-crypto bridge. Receive USDC on 4 networks, convert to fiat when you need, pay suppliers in any mix of fiat and crypto.
Receive client payments in any market with local bank details. No SWIFT, no hidden spread. Every euro or dollar that comes in is runway you keep.
ViewPay contractors, freelancers, agencies and SaaS providers in any currency or in USDC. Visible cost before confirming, no surprises on the monthly invoice.
ViewWhen you start moving operations over €50,000, an OTC desk with negotiated rates and a dedicated advisor for your treasury.
ViewEnter your typical operations. We'll tell you how much you pay today in fees and spreads, and what you save with Kunga.
Estimated annual cost with your current setup:
Estimated annual cost with Kunga:
Estimate based on average corporate sector rates Q1 2026 and average burn rate of Seed-Series A startups. Your real savings depend on specific corridors and volume.
No "contact sales for pricing". No hidden fees for your next round. When your recurring volume exceeds €500,000/month, we offer tiered conditions — but the base pricing doesn't change.
Your funds are custodied by regulated Tier-1 entities, separated from Kunga's operations. Custody is in your company's name, segregated and auditable. If Kunga ceases to exist, your runway isn't lost — it's held by a regulated third party.
We never invest, lend or rehypothecate your balance. What you have is 100 % liquid, 24/7. No hidden staking, no covert yield product, no counterparty risk via DeFi exposure. Your CFO sleeps well.
Configure permissions for your team: who views, who operates, who approves large sends. Dual approvals for operations above a threshold. The founder doesn't sign everything, but sees everything.
We operate under the European crypto-asset framework (MiCA) and the anti-money-laundering directive. For your investor due diligence (legal, tax, fund compliance), we give you documentation backing your operations. Important in your next round.
Call with a sales advisor who understands startup models. They explain what documentation we need, resolve questions about availability, fees and integration. If your model is non-standard (Web3, marketplace, etc.), here we validate we can operate with you.
A dedicated advisor guides you through verification: corporate documentation, beneficial owners, due diligence proportional to your sector and estimated volume. The advisor answers questions at each step, doesn't leave you with a blind web form. Duration depends on the documentation you provide and the complexity of your corporate structure.
You receive your multi-currency bank details (European IBAN, US ACH, Mexican CLABE) and USDC wallet. Multi-user access for your team. Direct channel with your advisor for issue resolution and growth.
The KYB process requires human validation proportional to your sector and structure. If your documentation is ready and your model is standard, it's faster. If your structure is complex or your sector requires specific due diligence, it takes longer. Your advisor gives you realistic expectations from the first call.
Yes. We support founders even without a prior corporate banking track record. KYB is done on the recently incorporated company, the beneficial owners and the business model. Final approval depends on specific due diligence.
It depends on the complexity of your corporate structure, the sector you operate in, and the documentation you provide. For standard-structure companies with complete documentation, the process is faster. For sectors requiring specific due diligence (Web3, marketplace, high risk), it takes longer. Your advisor gives you a realistic expectation in the first call, based on your specific case.
Yes. If your round comes in USDC (from a crypto-native investor or Web3 fund), we can receive it directly in a corporate wallet on Ethereum, Polygon, Solana or Tron. Custody is regulated Tier-1, not on an exchange.
From the same business account you can send to contractors in any supported currency (EUR, USD, MXN, BRL, GBP) or in USDC/USDT. Each send with visible cost before confirming. The history is logged for your accounting.
Today we offer native CSV export of all operations, which most accounting software and ERPs accept. API integrations are in development. For startups with specific needs, talk to an advisor to discuss integration priorities.
The same account stays operational. You don't have to migrate platforms as you grow. We activate additional features based on volume: OTC desk for large operations, tiered conditions, multi-user access with more roles if your team grows.
Yes, if the jurisdiction of incorporation is on our coverage list. We operate with companies incorporated in many jurisdictions. The residence of beneficial owners also counts. Check at /cobertura.
Yes. We work with sectors many banks reject. Approval goes through specific due diligence by sector. If your model is non-standard, the first call with an advisor validates we can operate with you before starting full KYB. See /alto-riesgo for details.
No minimum balance or monthly volume to open and maintain the account. It's free to open and maintain. Personalized OTC conditions activate when your volume justifies it.
Availability depends on the company's country of incorporation and the residence of beneficial owners. Check at /cobertura before starting the conversation with an advisor.
Talk to a sales advisor to understand how Kunga fits your operations, or start the opening process directly.
Guided KYB · No setup cost · An advisor who understands startup models