Now in Early Access

Your money.
Truly yours.

Save at rates your bank can't match. Send money anywhere for free. Spend with a card. One app — where you actually own everything.

Get Early Access How it works
7%
APY on savings
$0
transfer fees
100%
your ownership
What you get

Everything a bank does.
Nothing a bank takes.

Save, send, and spend from one app — without giving up control or paying outrageous fees.

Save & earn 7% APY

Your money grows every single day. No lock-ups, no fine print, no minimum balance. Real yield that beats any bank — by a lot.

7.0%
Compounding daily · Withdraw anytime

Send money free

Transfer to anyone, anywhere, instantly. No SWIFT fees, no waiting 3-5 days, no FX markups. Just send.

$0
Any amount · Any country · Instant

Spend with cashback

Pay at any store, tap any terminal, withdraw from any ATM. Cashback on every single purchase.

Card
Coming soon · Join the waitlist

True self-custody

You hold the keys. Not us, not a bank. Nobody can freeze, access, or move your money except you.

100%
Your keys · Your rules

Works everywhere

One account that works globally. No borders, no restrictions, no permission needed. Your money moves with you.

Social recovery

Lost your phone? Your trusted contacts help you recover. No seed phrases, no panic, no single point of failure.

The idea

Not a wallet.
A money app.
Where you own everything.

Your savings earn 7% APY. Your transfers are instant and free. Your money can never be frozen. The technology is the engine — not the car.

How it works

Three steps.
Sixty seconds.

No technical knowledge needed. If you can download an app, you can use Kuma.

1

Download & sign up

Create your account in under a minute. No seed phrases, no complicated backups. Just your name and a PIN.

2

Add your money

Deposit via bank transfer or card. Your funds go straight to your personal vault — not our company account.

3

Save, send & spend

Start earning 7% immediately. Send money for free. Get cashback when you spend. That's it.

True ownership

Your money can never be frozen.

Most "money apps" hold your money for you. That's just a fancy word for control. Kuma gives you true self-custody — nobody can touch your money but you.

  • Social recovery — Lost your phone? Trusted contacts help you get back in. No seed phrases. No panic.
  • No middlemen — No bank sits between you and your money. Deposits go straight to your personal vault.
  • Transparent — Every transaction and yield source is auditable. You see exactly where your money earns.
Early users

People are switching.

★★★★★

"I moved my emergency fund here and it's already earned more in a month than my savings account did all year. And I can pull it out anytime."

M
Marco R.
Early access user
★★★★★

"I send money to my family abroad every month. Used to cost $15 per transfer. With Kuma it's instant and free. I'm never going back."

A
Amira K.
Early access user
★★★★★

"The fact that no one can freeze my account — not even Kuma — is what sold me. This is how money should have always worked."

J
Jonas L.
Early access user
FAQ

Got questions?

Your savings generate real yield from decentralized finance protocols — lending, staking, and liquidity provision. These rates are transparent and auditable, unlike a bank where you never see where your money goes.
Your money is held in a personal vault only you control. Kuma cannot access, move, or freeze your funds. If you lose your device, social recovery through your trusted contacts gets you back in.
You hold the cryptographic keys to your own money — not a company. Many apps claim self-custody but still hold master keys. Kuma uses advanced cryptography so only you can authorize transactions.
The Kuma card is coming in a later phase. We're nailing savings and transfers first. Join early access and you'll be first in line when the card drops.
Yes, always. No lock-up periods, no exit fees, no waiting times. Your money is liquid and available whenever you need it.
Not at all. Kuma looks and feels like a regular money app. The technology runs behind the scenes — you see your balance, your earnings, and your transfers. That's it.
Ready?

Take back your money.

Join thousands who are done with banks that pay 0.5%, charge fees on everything, and can freeze your account on a whim.

Get Early Access Learn more