1
Receive USDC on the network you prefer
We give you a deposit address on Ethereum, Polygon, Solana or Tron. You receive native USDC on that network. No bridge, no wrap, no intermediary.
USDC wallet with integrated fiat on-ramp and off-ramp
A USDC wallet with real bank details in every country
Receive USDC on Ethereum, Polygon, Solana or Tron. Convert it to EUR, USD or MXN when you need to. Without going through exchanges. Without second KYCs. Regulated Tier-1 custody.
KYC in 90 seconds · No setup cost · Available for residents in your country
USDC Wallet · Tier-1
42 850.00 USDC
Redes activas
ETH
POL
SOL
TRX
Off-ramp fiat
- EURActivo
IBAN
SEPA · 1:1 sin spread
- USDActivo
ACH
Routing US · 1:1
- MXNActivo
CLABE
SPEI · 1:1
The bridge between fiat and crypto is poorly built
1
Going from fiat to USDC means two KYCs and three days
You want to convert your salary to USDC. You have to: do KYC at the exchange, wait for verification, deposit fiat (with bank fee), buy USDC (with exchange spread), withdraw to wallet (with withdrawal fee). Three days, five fees, two platforms.
2
Exiting USDC to fiat is worse
You want to convert USDC to EUR to pay rent. Exchange again, spread, SEPA withdrawal fee, bank wait. And if your exchange has operational issues that week, your money is trapped.
3
Paying a fiat-only vendor or client forces you out of crypto
You earn in USDC, but your vendor only accepts bank euros. You have to sell, wait, transfer. You lose at every step and every wait.
4
You operate on five networks and your life is gas-and-bridge chaos
You have USDC on Ethereum, Polygon, Solana and Tron depending on the project. Every time you move between networks, you pay bridge fees, assume bridge risk, wait for confirmations.
The operation, step by step
2
Your balance centralizes in Tier-1 custodied USDC
Once at Kunga, your USDC is custodied by regulated Tier-1 entities, separated from Kunga's operations. Auditable, liquid, no rehypothecation.
3
Convert to fiat only when you need it
When you need EUR, USD or MXN, you convert 1:1 with no added spread. It transfers to your IBAN, ACH or CLABE — or to the recipient's bank if you're paying a third party.
4
Go back to crypto whenever you want
You receive fiat from a client or convert part of your balance to USDC to send to another wallet. Without going through an exchange with extra KYC. No orderbook, no slippage.
Not another wallet. It's the frictionless connection between crypto and fiat.
🪙
Your crypto
USDC · ETH · SOL · Tron
Kunga
The regulated bridge
🏦
Your fiat money
EUR · USD · MXN
Kunga is the layer that connects both worlds: you come in with USDC from any network and cash out to EUR, USD or MXN with real banking details — and the other way around, without going through an exchange.
Every tool has its use. Kunga doesn't replace your self-custody wallet — it complements it with regulated fiat on-ramp and off-ramp.
Built for how you operate with crypto
Remote workers earning in USDC
Receive USDC on the network you prefer, convert to local currency only for expenses. Without going through exchanges. Without having to justify where the money comes from every time.
Crypto-natives living in fiat
Instant, proportional conversion. Convert only the USDC you're going to spend, not all your balance. Without inflated spreads.
Companies that receive or pay in crypto
Every operation logged with hash, timestamp and fiat value at the moment. Exportable for your accountant.
Traders and operators who need a serious off-ramp
Direct off-ramp from USDC to IBAN, ACH or CLABE, without an exchange as intermediary. Predictable fees.
Receive and send USDC on whichever network suits you
Ξ
Ethereum (ERC-20)
When to use
High-value operations, mainnet DeFi integration, maximum decentralization.
Gas cost
Variable, typically high (5-30 USD depending on congestion)
Average time
1-3 minutes
◢ Recomendada
Polygon
When to use
Medium operations, integration with dApps already on Polygon, balance between cost and compatibility.
Gas cost
Very low (< $0.01)
Average time
Seconds
S
Solana (SPL)
When to use
Fast operations, Solana ecosystem integration, high frequency.
Gas cost
Minimum (< $0.01)
Average time
Seconds
T
Tron (TRC-20)
When to use
Transfers to users or exchanges in LATAM and Asia, high USDT liquidity.
Gas cost
Low (~$1 in USDT, ~$0.3 in USDC)
Average time
Seconds
B
Base
When to use
Ethereum layer-2: fast and cheap, backed by Ethereum security. Useful if your counterparty already operates on Base.
Gas cost
Very low (< $0.01)
Average time
Seconds
We support USDC on the 5 networks and USDT on Tron, Ethereum and Polygon. Always check the sending network before confirming — sending to the wrong network can result in loss of funds.
What it costs to operate with USDC on Kunga
Operation Cost
Open account and wallet €0
Receive USDC on any supported network Only the sending network's gas (paid by sender)
Conversion USDC → EUR / USD / MXN 1:1 no added spread
Conversion fiat → USDC (on receiving a fiat payment) 1:1 no added spread
Send USDC to external wallet Only the gas of the chosen network
Convert between networks (USDC ETH → Polygon, for example) Exit gas + entry gas
Withdrawal to local bank (via IBAN / ACH / CLABE) 1.45% with Kunga wallet
Receiving fiat funds (on IBAN / ACH / CLABE) 1.45% with Kunga wallet
Monthly wallet maintenance €0
Bank deposits and withdrawals carry a Kunga fee (see table). Each network’s gas is charged by the blockchain, not Kunga. You always see the exact cost before confirming any operation.
Regulated custody, segregated funds, no rehypothecation
Tier-1 custody and fund segregation
Your USDC is custodied by regulated Tier-1 entities, separated from Kunga's corporate operations. If Kunga ceases to exist, your funds aren't lost — they're held by the regulated provider.
No rehypothecation, no hidden lending
We never invest, lend or rehypothecate your balance. What you deposit is 100 % liquid, 24/7. No hidden yield-bearing, no covert staking product, no counterparty risk via DeFi exposure.
On-chain traceability and full reporting
Every operation logged with blockchain hash, timestamp and fiat value. Auditable on any explorer. Exportable for your accounting.
MiCA and AML/CTF compliance
We operate under the European crypto-asset framework (MiCA) and apply the anti-money-laundering directive. Active monitoring of suspicious transactions, reporting to competent authorities. Compliance is not optional or decorative at Kunga.
What people already operating in USDC with Kunga say
I work for a DAO that pays USDC on Polygon. Before, I had to: withdraw to Metamask, send to Binance, sell to EUR, SEPA withdraw, wait 3 days. With Kunga, USDC reaches my account and you convert to EUR when you need to. Five steps to one.
As CFO of a Web3 startup I needed a provider that understood our model: we earn in USDC, pay contractors in USDC, but everything has to be reported in EUR. Kunga is the only one that gives us blockchain hash + fiat value at the moment, all exportable.
I've been operating in DeFi for years. My problem was never onchain, it was exiting to fiat without an exchange blocking my account for 'suspicious activity pattern'. Kunga gives me direct off-ramp to IBAN without a centralized exchange in the middle.
FAQ about operating in USDC with Kunga
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.
How is every operation reported for tax purposes?
Each movement is logged with: blockchain hash, timestamp, USDC amount, fiat equivalent value at the moment of operation, counterparty (if applicable), fee applied. Exportable as CSV for your accountant or tax advisor. Correct tax filing is your responsibility.
Can I receive USDC from a crypto-native client or vendor?
Yes. Share your Kunga deposit address on the network you prefer (Ethereum, Polygon, Solana, Tron). The payer sends native USDC on that network. It arrives in your balance in minutes.
What's the difference between Kunga and Coinbase / Binance?
Coinbase and Binance are exchanges: their main business is facilitating trading between crypto assets. Kunga is a multi-currency financial platform: its main business is providing infrastructure to move money between fiat and USDC. We don't do trading, we don't have an orderbook, we don't speculate with your balance.
Do I have to do KYC to use Kunga even if I only operate in USDC?
Yes. Kunga operates under MiCA and AML regulation. All users go through KYC (90 seconds for individuals, KYB with advisor for companies), regardless of whether they operate in fiat, USDC or both.
Is Kunga available in my country?
Availability depends on your country of residence. Verify at /cobertura before starting KYC.
Your USDC, on an infrastructure that connects to the fiat world
Open your free account in 90 seconds. Receive USDC on any network, convert it to fiat when you need to, without going through exchanges.
No setup cost · Regulated Tier-1 custody · KYC in 90 seconds