Direct pair netting - no USD hop
INR, AED, EUR, GBP, USD pairs settle directly through liquidity pools. 1 hop and not 4. No USDC intermediary bleeding spread on both sides.
Krypton Pay
Settlement withoutthe dollar tax.
Stablecoin payments are USDC-dominated, so every non-USD corridor secretly routes through the dollar. Krypton Pay holds reserve-backed liquidity in native currency pairs and settles the pair itself — one hop, no intermediary, nothing skimmed on the way through.
250.00 AED to @Arjun
- Queued
- Submitted
- Confirmed
0x7f4c…2f6b3
Your Balance
$24,820.94
10.2%
All Currencies
- 12,000.00 USD
- 2,220.00 AED
- 10,200.00 INR
- 400.00 USDC
- 850.00 GBP
From
100
Balance: 2,220.00
To
2,318.00
1 AED = 23.18 INR
Capabilities
Four things the raildoes on its own.
The hop diagram below is one payment. These are the behaviours that run on every payment, without anyone scheduling them.
INR to AED: Legacy vs Krypton
- Fee-bearing hop
- Krypton route
Today
- 4 hops
- 3 counterparties
- 3–5 days
- 3–5% all-in
INRFX Spread (1–2%)
USDOn-Ramp fees (0.5–1%)
USDCOff-Ramp fees (0.5–1%)- USDFX Spread (1–2%)
AEDReceived
With Krypton
- 1 hop
- <60 seconds
- 0.3–0.5% all-in
INR
Krypton Netting Pool
AEDReceived
Idle liquidity to the Yield Engine
Capital in netting pools not needed until next payment cycle automatically routes to the allocated vault and nothing sits idle earning zero.
AI-triggered payrolls & invoices
Clark automates recurring cross-border payments. "Run payroll for the full team" — 12 people, 4 currencies, settled in under 60 seconds.
Local rails out + on-chain settle
On-chain netting with local rail payouts. Recipients receive in their local currency without needing crypto wallets or DeFi knowledge.
How it works
Four moments.One hop.
The same payment the ledger below prices, shown end to end in the app. Fifteen seconds, four moments — pick one and the demo jumps to it.
Demo recording. Figures on screen are illustrative.
Step 1 of 4: Address it to a person. The app's home screen showing a multi-currency balance, then a payment sheet with the recipient's handle being typed in.
0.3–0.5% fees
Typical bank fees: 3–5%. Our target: 0.3–0.5% all-in.
<60 seconds
Typical bank settlement: 3–5 days. Our settlement time: <60 seconds.
24/7 always on
Availability of banks: 9AM-5PM. Our availability: 24/7/365 always on.
Legacy rails vs Krypton Pay
Same payment.Measured both ways.
A simple INR to AED payment makes four currency hops, touches three counterparties, and bleeds three to five percent in compounded spreads — before settlement takes three to five days. Here is the same transfer on both routes, measured on the same four things.
Legacy / stablecoin rails
With Krypton Pay
- 3–5%All-in, compounded across four spreadsCost0.3–0.5%All-in, a single conversionCostLegacy3–5%All-in, compounded across four spreadsKrypton Pay0.3–0.5%All-in, a single conversion
- 4 hopsUSD always presentRouting1 hopStraight into the direct pairRoutingLegacy4 hopsUSD always presentKrypton Pay1 hopStraight into the direct pair
- 0%Idle balances earn nothingLiquidityYield-bearingIdle balances route to the Yield EngineLiquidityLegacy0%Idle balances earn nothingKrypton PayYield-bearingIdle balances route to the Yield Engine
- 9AM–5PMBanking hours onlyAvailability24/7Always onAvailabilityLegacy9AM–5PMBanking hours onlyKrypton Pay24/7Always on
Netting pools
Multi-currency liquidity,held in the pair itself.
Each pool holds reserve-backed liquidity in a native currency. A payment nets against the pair directly, so the dollar never enters the route and there is no second conversion to pay for on the way out.
- KINRINR
- KAEDAED
- KUSDUSD
- KGBPGBP
- KEUREUR
Corridor coverage
A corridor list that reads as live when it is not costs more credibility than the extra rows buy. AED to INR is the first corridor Krypton settles. Everything else on this list is in build, and labelled that way here rather than in a footnote.
INRWhere every route below ends
- AEDDirham
- GBPPound sterling
- EUREuro
- USDUS dollar
Every corridor settles in both directions. Which corridors and currencies are supported →
Regulatory status
Stated as it is,including what isn't done.
Krypton operates to the standards these authorisations require while the applications are in progress. Nothing below is granted yet, and this page says so in the same place it says everything else.
AuthorisedWhere each filing below is headed. None has arrived.
PayCo
Cross-border payments
CBUAECentral Bank of the UAEStatus: In application. Not granted.
FIU-INDFinancial Intelligence Unit, IndiaStatus: In application. Not granted.
FundCo
Strategy vaults
ADGMExempt Fund, Abu Dhabi Global MarketStatus: In application. Not granted.
Krypton is not currently licensed as a payment institution or fund manager in any jurisdiction. The vaults are not registered products, no authorisation should be inferred from this page, and capital is at risk. What is live today, and what is not →
Cross-border settlementSkip the dollar.
Skip the dollar.
Keep the difference.
AED to INR settles in one hop, against reserve-backed liquidity held in the pair itself. No dollar leg, no second conversion, nothing skimmed on the way through.