0.3–0.5% fees
Typical bank fees: 3–5%. Our target: 0.3–0.5% all-in.
Krypton Pay
Settlement without the dollar tax.
Krypton Pay is being built to send money directly between non-dollar currencies. Payments are designed to net against reserve-backed liquidity in the currency pair, avoiding the dollar detour.
250.00 AED to @Arjun
- Queued
- Submitted
- Confirmed
0x7f4c…2f6b3
Your Balance
$14,263.31
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 rail does on its own.
The hop diagram below is one payment. These four run on every payment you make, without you scheduling any of them.
Same currencies. Different routes.
INR to AED: Legacy vs Krypton
You send
INR
INRLegacy
4 hopsKrypton
1 hop
USDConvert into dollars
USDCBridge through USDC- USDConvert back to dollars
Netting pool
AED- Time
- Legacy: 3–5 daysWith Krypton: <60 seconds target
- All-in cost
- Legacy: 3–5% all-inWith Krypton: 0.3–0.5% all-in target
See the fee breakdown
3 counterparties
- INR to USDFX Spread (1–2%)
- USD to USDCOn-Ramp fees (0.5–1%)
- USDC to USDOff-Ramp fees (0.5–1%)
- USD to AEDFX Spread (1–2%)
Reserve-backed liquidity in the native pair. No USD or USDC intermediary.
Legacy / stablecoin route
The dollar detour- INR to USDFX Spread (1–2%)
- USD to USDCOn-Ramp fees (0.5–1%)
- USDC to USDOff-Ramp fees (0.5–1%)
- USD to AEDFX Spread (1–2%)
- 4 hops
- 3 counterparties
- 3–5 days
- 3–5% all-in
With Krypton
The native pair- 1 hop
- <60 seconds target
- 0.3–0.5% all-in target
Illustrative product preview
Direct pair netting - no USD hop
INR, AED, EUR, GBP and USD pairs will settle directly through liquidity pools. 1 hop and not 4. No USDC intermediary bleeding spread on both sides.
9:41
Hello @Rhea
ActiveTransactions
100 AED to @Arjun
- Queued
- Submitted
- Confirmed
100.00 AEDTo: @ArjunToday09:24
540.00 GBPTo: @samYesterday18:12
2,400.00 INRFrom: @priyaSat11:04
80.00 USDCTo: @raviThu20:47
Your Balance$14,263.3110.2%All Currencies12,000.00USD2,220.00AED10,200.00INR400.00USDC850.00GBP
Clark
Receiver
@usernameFrom0.00Balance: 2,220.00
To0.001 AED = 23.18 INR
——SendUSDEURGBPAEDINRUSDCRWA TokensGCXAGNVDAETH…
USDEURGBPAEDINRUSDCRWA TokensGCXAGNVDAETH…
Transferring...
Sending 100 AED to @Arjun
Tap anywhere to close (5sec)
Krypton Pay
Illustrative product preview
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.
Illustrative product preview
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.
Illustrative product preview
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 as you would actually make it. Four moments. Pick one and the demo jumps to it.
01 / 04
Address it to a person
Pick the pair, see the rate first
One hop — the pair settles itself
Settled on local rails, with a receipt
9:41
Hello @Rhea
ActiveTransactions
100 AED to @Arjun
- Queued
- Submitted
- Confirmed
100.00 AEDTo: @ArjunToday09:24
540.00 GBPTo: @samYesterday18:12
2,400.00 INRFrom: @priyaSat11:04
80.00 USDCTo: @raviThu20:47
Your Balance$14,263.3110.2%All Currencies12,000.00USD2,220.00AED10,200.00INR400.00USDC850.00GBP
Clark
Receiver
@usernameFrom0.00Balance: 2,220.00
To0.001 AED = 23.18 INR
——SendUSDEURGBPAEDINRUSDCRWA TokensGCXAGNVDAETH…
USDEURGBPAEDINRUSDCRWA TokensGCXAGNVDAETH…
Transferring...
Sending 100 AED to @Arjun
Tap anywhere to close (5sec)
Krypton Pay
Your balance already holds several currencies at once. You choose who is being paid by their handle: no SWIFT code, no branch address, no intermediary bank for you to name.
The app's home screen showing a multi-currency balance, then a payment sheet with the recipient's handle being typed in.
01: Address it to a person
<60 seconds
Typical bank settlement: 3–5 days. Our target: under 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.
Send rupees to dirhams today and your payment makes four currency hops, touches three counterparties, and loses three to five percent in compounded spreads before it lands, three to five days later. Here is that same transfer on both routes, measured on the same four things.
- 3–5%All-in, compounded across four spreads0.3–0.5%All-in, a single conversionCostLegacy3–5%All-in, compounded across four spreadsKrypton Pay0.3–0.5%All-in, a single conversion
- 4 hopsUSD always present1 hopStraight into the direct pairRoutingLegacy4 hopsUSD always presentKrypton Pay1 hopStraight into the direct pair
- 0%Idle balances earn nothingYield-bearingIdle balances route to the Yield EngineLiquidityLegacy0%Idle balances earn nothingKrypton PayYield-bearingIdle balances route to the Yield Engine
- 9AM–5PMBanking hours only24/7Always 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, so your payment nets against the pair directly. The dollar never enters your route, and there is no second conversion for you to pay for on the way out.
- KINRINR
- KAEDAED
- KUSDUSD
- KGBPGBP
- KEUREUR
Fund the pool
The liquidity your payment nets against is held in native currency and reserve-backed, not borrowed against a dollar position.
Net in the native pair
Your rupees net against dirhams directly. No USD leg means no USD spread, and no on-ramp or off-ramp fee bracketing what you sent.
Settle on local rails
The person you are paying receives their own currency through local rails: no wallet, no crypto, nothing for them to learn.
Select a stage to replay its motion
Corridor coverage
AED–INR is our first planned corridor. GBP–INR is in build; EUR–INR and USD–INR are planned. Each pair is designed for transfers in both directions.
First corridorAEDINR
AEDINRFirst in the rollout. Not yet live.
Following corridors
- In build
GBPINR - Planned
EURINR - Planned
USDINR
All corridors are designed for transfers in both directions.Coverage questions
Cross-border settlementSkip the dollar.
Skip the dollar.
Keep the difference.
Your dirhams reach rupees through reserve-backed liquidity in the pair. No dollar leg.
Explore the payment flow in the demo app. Sign-in required.