Kolo is a crypto-linked payment card with a built-in wallet. Load from your crypto (BTC, ETH, USDT/USDC, even memecoins), convert to local currency at checkout, and pay online or in stores—including via Apple Pay and Google Pay. Coverage spans 170+ countries with Visa/Mastercard acceptance.
Quick Facts
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Product: Kolo Card (wallet + crypto-linked payment card) • Platforms: iOS, Android, Web.
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Spend methods: Virtual card (instant), optional physical card; works anywhere Visa/Mastercard (and Apple/Google Pay) are accepted
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Top-ups: Fund from crypto; conversion happens automatically during payment.
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Availability: Users from 170+ countries can obtain a Kolo card.
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Fees (headline): “Exchange-level rates,” 0% mark-ups on USDT/USDC/EURC (marketing claim). Independent reviews estimate ~0.32% total sell spread to USD.
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Compliance: KYC required; MiCA/Travel Rule-aligned policies advertised.
How It Works (at a glance)
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Download & verify (KYC) in the Kolo app (iOS/Android).
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Issue a virtual card and add it to Apple Pay/Google Pay; order a physical card if needed.
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Top up from crypto (BTC/ETH/USDT/USDC and more).
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Pay anywhere Visa/Mastercard are accepted; conversion to fiat occurs in-flow at the point of purchase.
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(Optional) Send to bank (SEPA) from the app for personal cash-outs.
