Replace correspondent banking with instant settlement
Bypass the 3-day SWIFT wait with Kulipa’s virtual accounts. Accept fiat, bridge to stablecoins, and enable payouts via cards and IBANs in 210+ countries.
Issue stablecoin-backed
virtual accounts for global payouts
50+ Currencies
Offer local collection and payouts worldwide without opening local entities.
10x Cost Reduction
Eliminate correspondent banking fees and optimize FX with on-chain settlement.
100% Traceable
Real-time, on-chain tracking for every transaction - no more "lost" wires or opaque status updates.
Local Collection, Global Reach
Don't force your customers to send expensive wires. Issue local IBANs to collect funds in fiat (EUR, USD, GBP), automatically converted to stablecoins for instant cross-border mobility.
Instant Settlement (T+0)
Bypass the correspondent banking chain entirely. Settlement happens on-chain in seconds, allowing you to pay merchants, suppliers, or employees immediately, 24/7.
Just-in-Time Liquidity
Stop trapping capital in pre-funded foreign accounts. Hold your treasury centrally in stablecoins and off-ramp to local currency only at the exact moment a payout is needed.
Best-in-class Compliance
Move fast without breaking things. We handle the heavy lifting of KYC, AML, and transaction monitoring, so you get the speed of crypto with the safety of a regulated partner.
Customer stories
Discover how leading fintechs across the world use Kulipa
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“Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.”
“Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.”
“Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.”
Explore the new
Payment rails
Insights on how stablecoins are upgrading the banking stack for speed, reach, and efficiency.
The Kulipa Advantage: How we run a true self-custodial debit card
In this article we explain how Kulipa can operate a card connected directly to a wallet it does not control, processing payments with no collateral whilst retaining a fast and efficient UX for users.
Authentication in blockchains - a layman’s guide
As the blockchain ecosystem matures, better and more diversified ways of authenticating for blockchain transactions have emerged. This can be quite overwhelming to newcomers, and so this post aims to put order in the following terms: EOA/ MPC/ Account abstraction/ Paymaster/ Relay/ Key abstraction
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Regulatory Radar #4
Welcome to Kulipa's Regulatory Radar #4! In this Regulatory Radar, the third of our dedicated series on US digital asset developments, we delve into reactions of key EU institutions - ECB, EC, and EP - following the landmark vote of the GENIUS Act.
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Regulatory Radar #3
Welcome to Kulipa's Third Regulatory Radar! In this Regulatory Radar, the second of our dedicated series, where we delve into the GENIUS Act—Guiding and Establishing National Innovation for US Stablecoins Act— and the CLARITY act - two landmark bills designed to create a comprehensive regulatory framework for payment stablecoins in the United States, contrasting them with the EU’s MiCA Regulation.
Regulatory Radar 2#
Welcome to Kulipa's Second Regulatory Radar! In this Regulatory Radar, the first of a new dedicated series, we explore the evolving legislative journey of the GENIUS Act—Guiding and Establishing National Innovation for US Stablecoins Act—a landmark bill designed to create a comprehensive regulatory framework for payment stablecoins in the United States.
The Great Fintech Migration: Why Every Payment Company Will Run on Stablecoins
Stablecoin infrastructure is faster and cheaper, and companies are using it to fundamentally rebuild payment infrastructure for the next decade of financial services. The great fintech migration isn't coming. It's here.
Regulatory Radar #1
On 10 June 2025, the European Banking Authority (EBA) issued a no-action letter addressing the interaction between PSD2 and MiCA—marking the first time this tool has been used to navigate the complex overlap between legacy payments regulation and Europe’s new crypto framework. But what exactly is a no-action letter in the EU context? Who can issue one? What’s its legal weight? And why should market participants and policymakers alike pay attention? Let’s take a closer look.
Crypto Compass - Week 6
Fed Governor Powel Pushes for Stablecoin Regulation, Tether Invests in Zengo Wallet, Klarna Explores Crypto Integration Ahead of IPO
Crypto Compass - Week 5
SEC Shifts Crypto Enforcement Strategy, Sen. Hagerty to Introduce Stablecoin Bill, Stablecoin Market Cap Surges to $200B
Crypto Compass - Week 4
ECB Pushes for Digital Euro Amid US Policy Changes, Binance Faces French Money Laundering Probe, Andreessen Horowitz Exits UK for US Focus
Crypto Compass - Week 3
Trump nominates the SEC and CFTC Commissioners, Circle acquires Hasnote, ESMA pushes for eelisting of non-MiCA compliant stablecoins
Crypto Compass - Week 2
Coinbase Launches Bitcoin-Backed Loans, first signs of Trump's decisions to come, more and more banks exploring crypto, regulatory clarity coming to Kenya
Crypto Compass - Week 1
CFTC Chair Warns of Crypto Gaps, Venezuelans Ditching Dollars for Crypto, Bhutan adds crypto to strategic reserves
Crypto Compass - Week 52
Bitcoin reserves on the agenda of a lot of governments, second largest French bank to offer crypto, MoonPay acquiring Helio Pay
Crypto Compass - Week 51
Ripple finally launches RLUSD, India advocates global crypto regulation framework, MiCA-compliant stablecoins dominate European markets, Usual Adopts M0 Infrastructure for Stablecoin
Crypto Compass - Week 50
Circle and Binance Partner to Boost USDC Adoption, Stablecoin Market Cap Nears $200 Billion, Digital Euro Leader Resigns Amid Controversy, India's Central Bank Sees CBDC Potential
Crypto Compass - Week 49
David Marcus stance on the death of Diem (formerly Libra), Nuvei Expands Blockchain Payments in Latam, Coinbase Exec Predicts Stablecoin Regulations in the US by 2025
Crypto Compass - Week 48
Robinhood Adds USDC in EU Markets, BlackRock-Backed Stablecoin Gains Traction, Coinbase Won't Support Celo Migration
What is the interchange fee? And how can it improve revenue for crypto wallets?
In previous articles, we’ve detailed how payments work, noting that the incentive for much of the work done by various players is being able to receive a portion of the interchange fees. Today, we’ll go into more detail on the interchange fee, including who shares it, how it’s calculated, and why Kulipa brings clarity to its partner wallets about what they’ll earn.
Crypto Compass - Week 47
US SEC Chair, Gary Gensler Stepping Down in January 2025; Paxos Seeks EU Market Access with Membrane Finance acquisition; Tether launching MiCA-compliant stablecoins with Kraken and Quantoz Payments
Crypto Compass - Week 46
USDT Crude Oil Transaction, Sling enters the US, Underbanked US Households Rely on Crypto
Crypto Compass - Week 45
French Gambling Regulator May Ban Polymarket, JPMorgan Expands Blockchain FX Settlements, Seven South Korean Banks Join CBDC Pilot, Helio Expands Solana Payments on Shopify
Crypto Compass - Week 44
Paxos launches USDG, Ant CEO praises tokenization, Tether's dirham-pegged stablecoin launch, U.S. Treasury notes stablecoin influence on T-bills
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Is Web3 devolving back into Web2?
85% of traded volumes happen off-chain, on CEXs. The problem is that CEXs are custodial, and not interoperable like on-chain protocol. And as these centralised solutions offer a better UX than their decentralised counterparts, it's easy to think that crypto might just become another commodity just good enough to be traded for profits, in neobanks-like structure. In short: is web3 devolving back into web2? That's what we're exploring today in this new Deep Dive rant.
Crypto Compass - Week 43
Stripe Acquires Bridge, Avalanche and Visa’s New Crypto Card, Argentina full support to crypto and more regulatory updates
Crypto Compass - Week 42
Stripe's Strategic Expansion in Stablecoins with Paxos and Bridge, Stablecoin Adoption: US Lags, EU Gains Momentum, Ripple Expands Global Reach with RLUSD Stablecoin
How does Kulipa's crypto debit card work for self-custodial wallets?
In our previous article, we explained the criteria for determining if your wallet would be best served by a debit card or a prepaid card. As mentioned, the smooth user experience offered by crypto debit cards comes with some additional technical issues; below, we detail how Kulipa handles them based on account characteristics, security keys, risk management, and more.
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Crypto Compass - Week 41
Coinbase Delisting Stablecoins, Paxos yield-generating stablecoin, Stripe’s Return to Crypto Payments...
What’s better for your crypto wallet: a prepaid card or a debit card?
Choosing between prepaid and debit crypto cards is a crucial decision for wallets looking to enhance user experience and drive engagement. This article explores the key differences between the two, to help wallets determine the best fit for their growth strategy.
Crypto Compass - Week 40
SWIFT, PayPal, and Ripple Deepen Engagement in Crypto Payments, LatAm and Asian government continue to push for crypto, ECB and Börse Stuttgart projects in crypto...
Crypto Compass - Week 39
Robinwood and Revolut exploring stablecoin issuance while Visa launches a stabelcoin issuance platform for banks, Crypto booming in Bolivia after its legalization...
Embedded wallets, the gateway to mainstream stablecoin adoption?
Are embedded wallets the key to mainstream stablecoin adoption? In this interview with Mathilde David, Product Lead for Stablecoin Movement at Paxos, we explore how user-friendly Web2 wallets could simplify crypto payments. Learn about the regulatory challenges, payment innovations, and opportunities shaping the future of stablecoins in this ever evolving financial landscape.
Crypto Compass - Week 38
Circle improving their service in LatAm, Soneium already getting the USDC, crypto recognized as property in the UK, JPMorgan doubles down on crypto
How do card payments work, and what does it take to enable everyday purchases with crypto?
This article breaks down the payment authorization and settlement processes, and explores how crypto debit cards function by leveraging existing financial infrastructure. It also explains how Kulipa enables wallets to issue branded crypto cards that work seamlessly with Visa and Mastercard networks.
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Crypto Compass - Week 37
Report by Visa on real world use cases for stablecoin, UK recognizes crypto as personal property, regulatory clarity enabling geographical expansion globally
Crypto Compass - Week 36
Nigeria SEC issuing the first crypto licences, 87% of crypto licences application fail, a CBDC pilot in Brazil, DWF synthetic stablecoins to launch soon and much more...
Crypto Compass - Week 35
This week in our Compass: Tether drops its own chain project, Binance embraces a MiCA compliant stablecoin, Japan and Hong Kong confirm their commitment to crypto, and more...
Crypto Compass - Week 34
This week in our Compass: Binance still under regulatory pressure despite it effort, EURC coming to Europe with Coinbase, Tether launching a Dirham stablecoin, Quidax first licensed exchange in Nigeria, and much more...
Crypto Compass - Week 33
This three weeks in our Compass: Contrasted Regulatory Evolutions (India, France, Brazil...), Metamask officially announcing their card, new promising stablecoins, and more...
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Crypto Compass - Week 30
This week in our Compass: finally the launch of the first US ETH ETFs, 3 CBDC projects accros the globe, first company capitalised in crypto in Argentina
Crypto Compass - Week 29
This week in our Compass: Stripe enabling card on-ramp for their EU merchants, Blackrock CEO legitimising Bitcoin and a busy summer for regulators
Reinforcing our vision through partnership with Argent and $3 million pre-seed funding
Today, we’re excited to announce the launch of the first zk-powered debit card for seamless stablecoin spending, in partnership with Argent, and backed by $3 million in funding. This marks a significant step towards our mission of making self-custodial wallets a mainstream financial tool.
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Crypto Compass - Week 28
This week in our Compass: Argent announces at crypto debit card powered by Kulipa, SEC drops its case against BUSD and a lot more announcements
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Crypto Compass - Week 27
This week in our Compass: Circle becomes an EMI under MiCA and more regulatory updates from Singapore, Nigeria...
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Crypto Compass - Week 26
This week in our Compass: Coinbase-Stripe partnership, Nigeria pushing a new regulation, and much more
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Crypto Compass - Week 25
This week in our Compass: The SEC drops charges against Ethereum, the subtle equilibrium of stablecoins and CBDCs
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Crypto Compass - Week 24
This week in our Compass: Emerging market crypto push, CBDC for x-border in Saudi and regulatory updates across the globe.
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Crypto Compass - Week 23
This week in our Compass: Regulatory update in Hong Kong, EU and Rwanda, Growing crypto interest in Australia and Thailand, and consolidations in the industry
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Crypto Compass - Week 22
This week in our Compass: Growth of stablecoins in Russia and PYUSD on Solana, New institutional tokenisation projects and CBDC updates in China and Israel
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Crypto Compass - Week 21
This week in our Compass: Ethereum ETFs finally approved in the US, new algorithmic stablecoins and more regulatory updates
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Crypto Compass - Week 20
This week in our Compass: Regulatory update from the USA, Nigeria, India and more, new stablecoin and RWA project & an update by Mastercard, some signs of challenges for the digital Yuan, and much more.
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Kulipa joins Mastercard's Start Path Blockchain and Digital Assets program
We're thrilled to announce that Kulipa will join Mastercard's Start Path program to explore how blockchain technology can revolutionize the financial system, creating a more efficient and inclusive experience for millions around the world.
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Crypto Compass - Week 19
This week in our Compass: Update on the situation in Nigeria, Ripple's stablecoin and much more
Crypto Compass - Week 18
Global growth of stablecoin, CBDC projects between Iran and Russia and many more regulatory evolutions.
Do we need a Spotify for Wallets? with Alexandre Gabadou from The Big Whale
In this week's episode of the Deep Dive, we explore the keys to achieving the delicate balance between simplicity and security in wallet design, with Alexandre Gabadou from The Big Whale, France's leading Web3 media outlet.
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Crypto Compass - Week 17
Stripe reaccepting crypto, EU voting AML regulations, 98% of countries exploring CBDCs, US bill on stablecoin and more crypto news.
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Crypto Compass - Week 16
This week in crypto: CBDC race is on, self-custody and stablecoin on the rise and a regulatory update.
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Crypto Compass - Week 15
This week in crypto: SEC going after DeFi, suing Uniswap, plus other updates about PYUSD, and updates from Thailand, Paraguay.
The Liquidity Trap: How Wallets are Chasing Trends and Missing Innovation
This week, we sat with Arthur Pfalzgraf, Product Manager at Ultimate Wallet for an insightful talk about the challenges that wallets face today, and how following trends ultimately hurts adoption.
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Crypto Compass - Week 14
This week in crypto: Regulatory updates from Singapore, Lithuania, France and Argentina. Ripple's cash-equivalent stablecoin
Are There Real-World Use Cases for Account Abstraction Today?
On this week's episode of the Deep Dive, we explore the differences between EOA and Account Abstraction wallets, before having a look at concrete use cases for AA today.
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Crypto Compass - Week 13
This week in crypto: Regulations are catching up (Estonia, EU, US) with a focus on AML compliance. Central Bank Digital Currencies (CBDCs) are gaining traction (IMF, SWIFT, UAE). Traditional finance is embracing blockchain (HSBC, UK), but challenges remain.
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Crypto Compass - Week 12
This week in crypto: Central banks ramp up CBDC efforts with Hong Kong's e-HKD pilot and Liberia's partnership. Stablecoins see potential regulation relief with positive US comments but face rising competition. Regulatory focus intensifies with the UK's FCA and Argentina tightening their grip on crypto exchanges. The SEC's Ethereum probe adds uncertainty to the market.
Wallet Features for Mainstream Adoption (Part 2)
This episode dives deeper into features and use cases that propel non-custodial wallets towards mainstream adoption. We'll explore 2 distinct use cases (remittance and integrated DeFi products) to position wallets for significant user growth and industry leadership.
Wallet Features for Mainstream Adoption (Part 1)
In this first episode of the Deep Dive we explore non-custodial wallets features for mainstream adoption, kicking off with payments! We'll dissect seamless payment solutions and their potential to empower the vast population of unbanked adults globally.
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Crypto Compass - Week 11
In this week's Crypto compass, we explore hot topics like CBDCs in Hong Kong and Israel, plus stablecoins in emerging markets and their regulation in Europe. And a lot more crypto news!
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Crypto Compass - Week 10
The Philippines and Hong Kong are both testing Central Bank Digital Currencies (CBDCs). While the Philippines focuses on using CBDCs for transactions between banks and for cross-border payments, Hong Kong is exploring using their e-HKD for everyday transactions and even for tokenizing real estate assets. Even though privacy isn't the main concern here, these developments show that traditional finance is increasingly open to incorporating some aspects of cryptocurrency.
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Got questions?
We have answers
What is Kulipa?
We’re a one-stop-shop to help fintechs issue stablecoin-backed payment products, like cards, virtual accounts and wallets.
In which countries can I issue cards?
Through our single API, you can launch physical and virtual card programs in most countries around the world. Our cards are accepted at over 150 millions merchants globally through the Visa and Mastercard networks.
Can my users spend stablecoins directly at merchants?
Yes. Your users can spend their stablecoin balances instantly. Kulipa handles the conversion to local fiat while the user’s stablecoin balance is debited.
How secure is the Kulipa infrastructure?
We employ enterprise-grade security protocols, including real-time on-chain audit trails and 24/7/365 fraud monitoring. All stablecoin assets used for transactions are all issued by regulated providers.
How fast can we go to market?
While legacy banking integrations take months or years, you can launch a compliant stablecoin payment product with Kulipa in a few weeks.
Do I need any license to work with stablecoins?
Not for cards. Kulipa acts as your compliance layer by managing VASP licensing, KYC, KYB, and AML monitoring.
If you’re going for self-custodial wallets + virtual accounts, then you don’t need any licensing either. If you’re working on a custodial model, then regular licenses apply.
What blockchains do you support?
We can deploy on any blockchain - from EVM chains to L2 or Solana, and many more.