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Account and onboarding Opening, KYC, KYB, bank details. View
Which documents work for KYC?
ID card, passport or driver's license, all in date. Some jurisdictions also require proof of address.
What if the system doesn't recognize me?
We route you to a human agent who reviews the case within hours. Usually resolved with a second well-lit attempt.
Is my data safe?
Yes. AES-256 at rest, TLS in transit. Only authorized staff access the documentation.
How long does KYB take?
It depends on the complexity of the structure. Our compliance team reviews each case and your advisor gives you an estimate; we don't promise a fixed timeframe.
Fees and pricing Per-rail rates, minimums, calculator. View
Is there a fee to open the account?
No. Opening is 100% free, both for individuals and businesses.
Is there a monthly fee?
No monthly fees and no minimum balance. You only pay the transaction fee when you move money.
How does USDC conversion work?
Every deposit converts 1:1 to USDC, the dollar-backed stablecoin issued by Circle. We don't add a hidden spread.
Does the fee include network gas?
If the transfer uses your Kunga wallet, we apply 1.45%. If you choose an external wallet, we apply 2.90%. You always see it before confirming.
Why do some networks charge more than others?
Platform pricing is percentage-based: 1.45% with Kunga wallet or 2.90% with external wallet. You see the exact cost before confirming.
Operations Receive, move, send to wallet, withdraw to bank. View
What's the fee?
1.45% if you use a Kunga wallet and 2.90% if you choose an external wallet. You see it before confirming.
How long does it take?
Pix in seconds. SEPA Instant in minutes. ACH, SPEI and FasterPayments usually same business day.
What FX rate do you use?
The market rate at the moment of confirmation, with no hidden spread. We convert 1:1 to USDC before the send.
What about large volumes?
For trades from 100,000 USD we have an OTC desk with institutional spreads.
Security and compliance Custody, KYC, lists, monitoring. View
Who is the custodian?
Regulated Tier-1 entities (specialized custody banks). We share details under NDA with enterprise clients.
Is there insurance?
Some custody operations include policies. We detail them at onboarding.
What if I lose access to my Kunga account?
Access is recovered via KYC verification. Your USDC balance is not lost because it lives in segregated custody.
Companies and OTC KYB, multi-sig, OTC desk, reporting. View
Does it work for companies in any country?
We operate in most jurisdictions. KYB is guided by an advisor so it stays nimble.
How long does business onboarding take?
Standard companies activate same business day; complex structures may need 1–3 days.
What about large volumes?
From €100,000 per trade you can use the OTC desk with institutional spreads.
Do you integrate with my ERP?
Today via CSV/PDF export and, on demand, an API for clients with significant volume.
Crypto and networks USDC, USDT, Solana, Ethereum, gas. View
Is Kunga a self-custody wallet?
No. Kunga is a platform with custody regulated by Tier-1 entities. Your USDC is held by a regulated third party, not by you directly (as it would be in Metamask or Phantom). The benefit: if you lose access, we can recover your account via support. The trade-off: you trust the regulated custody, not your seed phrase.
Can I send my USDC to an external self-custody wallet?
Yes. At any time you can send your USDC to an external wallet on Ethereum, Polygon, Solana or Tron. You only pay the network's gas.
What happens if Kunga stops operating?
Your funds are custodied by a regulated Tier-1 entity, separated from Kunga. In the (unlikely) event Kunga ceased operations, the custodied funds would be returned according to the custodian's regulated processes. Your USDC is never "inside" Kunga — it's in a third party's custody.
Does Kunga do staking, lending or yield with my USDC?
No. Funds are 100 % liquid, 24/7. We do no staking, no lending, no form of yield generation with your balance. If you want to operate in DeFi, withdraw to your self-custody wallet and operate yourself.
Do you support USDT besides USDC?
Yes. We support USDT on Tron, Ethereum and Polygon. Internal conversion between USDC and USDT is available on the platform. Verify the network on every operation.
Need to talk to someone?
Write to [email protected] or from the in-app chat.