Krypton is a global payments and yield platform that uses stablecoins, tokenized strategies and an AI treasurer (Clark) to move and grow your money. It helps globally earning users move between currencies, deploy capital through guided strategies, and pay out locally without stitching together separate wallets, brokers, and remittance tools.

Primarily global-first founders and companies with distributed teams across multiple currency zones — anyone paying international payroll, running multi-currency treasury, or building AI-native workflows that require financial primitives. Also for DeFi developers wanting to build on tokenized financial infrastructure, and remote professionals managing cross-border income and remittances.

Because pulling out any one layer breaks the experience. Idle balances only earn if the payment layer knows when the next payroll run is due. The agent can only move surplus into a vault if it can also see the payment schedule and unwind a position to settle an unplanned invoice. Sold separately, you would be the integration layer — reconciling a payments provider, a broker, and a spreadsheet by hand. Composed, the stack runs those decisions on your behalf.

Other FX providers are excellent payment products but they operate on traditional or semi-traditional rails with no on-chain yield and no agentic AI layer. Krypton settles on-chain in <60 seconds at 0.3–0.5% vs Wise's 0.4–2%, automatically earns yield on idle capital, and orchestrates everything via an AI agent runtime that neither Wise nor Revolut has. It's three products composing into one stack, not one product trying to add features.

Neither. It is a strategy-vault layer, not a licensed hedge fund or a centralised exchange. Assets sit in segregated wallets and vetted protocols, and access may be limited by jurisdiction.

At launch: INR (India), AED (UAE), USD, EUR, GBP. Expansion to additional currency pairs follows license-by-license market entry. The netting pool architecture means new currency pairs can be added without rebuilding the settlement layer — each new currency deepens liquidity for all existing pairs.

Because it is not one payment. A single INR → AED transfer typically makes four currency hops, touches three counterparties, and compounds a spread at each one: an FX spread of 1–2% into USD, an on-ramp fee of 0.5–1%, an off-ramp fee of 0.5–1%, and another 1–2% FX spread out. That is 3–5% all-in before settlement, which itself takes 3–5 days. None of those steps are individually outrageous; the total is.

Most stablecoin payments are USDC-dominated, so every non-USD corridor quietly routes through the dollar and pays for the privilege twice. Krypton instead holds reserve-backed liquidity in native currency pairs, so INR → AED settles directly against that pool in a single hop, with no dollar intermediary and no redundant conversion. Liquidity in the pool that is not needed before the next payment cycle is routed to the Yield Engine rather than sitting idle.

Under 60 seconds, at a target 0.3–0.5% all-in, available 24/7. The legacy comparison is 3–5 days at 3–5%, during banking hours only. The saving comes from removing hops rather than from discounting a fee — one direct pair instead of four sequential conversions.

No. Netting and settlement happen on-chain, but payouts land through local rails in the recipient's own currency. They receive money the way they always have, and need no wallet, no exchange account, and no DeFi knowledge.

Four, ordered by risk appetite. Conservative holds T-Bills and gold for low drawdown. Balanced is a rules-based multi-asset mix. Growth combines equities and digital assets on a signal-driven basis. Alpha is market-neutral long/short. You set a risk profile — target return, liquidity horizon, drawdown tolerance, and any jurisdictional constraints — and the engine allocates against it and rebalances as conditions move.

Execution is off-chain through the QuantConnect Lean Engine, which handles signal generation, backtesting, and strategy execution with institutional tooling. Distribution and liquidity are on-chain, with Uniswap and RWA pools providing 24/7 settlement. Splitting it this way is deliberate: you get institutional execution quality without giving up on-chain transparency or round-the-clock access.

Each strategy is minted as an ERC-4626 token. Practically, that gives it three things a traditional fund unit does not have: a verifiable on-chain track record from day one, permissionless composability — the vault token can be used as collateral, a yield source, or an LP position inside other DeFi protocols — and a distribution surface that does not depend on a fund platform letting you list.

Yes — that is the point of the single balance. Capital is payable instantly in any supported currency without you manually unwinding positions first. If a payment is larger than your liquid balance, the position is partially unwound to cover it and the remainder keeps earning. Liquidity horizon is one of the inputs to your risk profile, so the engine allocates with your actual payment schedule in mind.

No. Every yield figure Krypton publishes is a target, not a guarantee, and returns can be negative. The vaults hold real market instruments — treasuries, commodities, equities, digital assets — and carry the risks of those instruments plus smart-contract risk. Full risk disclosures are in the docs, and you should read them before allocating.

Clark is a composable agentic runtime — not a chatbot. It holds your complete financial context (payment patterns, risk profile, portfolio composition, tax constraints) and takes autonomous action: rebalancing portfolios, routing idle capital, scheduling payrolls, and settling invoices. It also exposes its capabilities via streamable MCP so external AI agents can perform financial actions programmatically at $0.02/invocation.

It explains before it acts. Clark gives a natural-language breakdown of the risk, fees, and expected return of an action before taking it, and surfaces decisions such as routing idle treasury into a vault for confirmation. It is designed to remove the operational work, not the oversight.

Through a streamable MCP endpoint with tool discovery, so any MCP-capable agent can find and call Krypton's payment, yield, tax, and strategy tools without a bespoke integration. Every call is tracked, metered, and attributed. Pricing is usage-based at $0.02 per invocation.

That is the plan for the Clark Developer Platform, which is on the 12-month roadmap rather than live today. Developers will deploy custom financial agents onto Clark's runtime and earn per call, on a share of AUM, or on a share of yield generated, with a runtime registry handling attribution and compliance.

Two entities, deliberately separated. PayCo covers payments and is pursuing CBUAE registration in the UAE and FIU-IND registration in India. FundCo covers the yield side and is being incorporated as an ADGM Exempt Fund in Abu Dhabi. These are in progress, not granted — corridors and vault access go live market by market as each approval lands, which is why availability is jurisdiction-dependent.

Because several major jurisdictions are legislating stablecoin-native finance at the same time: the US GENIUS Act, the EU's MiCA, the UAE's ADGM regime, and India's FIU-IND framework. That alignment is unusual and it is what makes a compliant, multi-corridor stablecoin payments business viable now rather than in principle.

Assets sit in segregated wallets and vetted protocols rather than being commingled, and netting pool liquidity is reserve-backed. A full smart-contract audit and compliance review is a gating milestone before the payment and vault contracts carry production volume. KYC and AML checks are automated at onboarding, and the Clark tax agent applies jurisdiction-aware constraints.

The near-term focus is the AED ↔ INR corridor with Krypton Pay and Clark in the UAE and India, alongside the smart-contract audit and licensing work. After that the roadmap adds the GBP ↔ INR corridor, the Yield Engine under ADGM for professional clients, the Clark Developer Platform, and pre-licensing for the US and EMEA. Join the waitlist and we will tell you when your corridor opens.