Hold, send & spend dollars
wherever life takes you.
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Your local bank doesn’t offer dollar accounts. The ones that do charge you to hold them — and your balance earns nothing.
0% YIELD — HIGH FEES — LIMITED ACCESS
Great for local currencies, useless for dollars.Your global income gets converted the moment it lands - before you can hold or spend a single dollar.
LOCAL ONLY - NO USD - FORCED CONVERSION
They quote a great rate, then take it back in the spread. Your family receives less than the number you typed. Every time.
3–5% HIDDEN FEE — SLOW — OPAQUE
Open a USD account from anywhere in the world. No minimums, no maintenance fees. Your dollars earn T-Bill yield from the moment they land.
✓ ~3% APY — NO FEES — GLOBAL ACCESS
Keep your earnings in USD and spend them directly at 150M+ merchants worldwide.No forces conversion, no surprise rates.
✓ TRUE USD - SPEND ANYWHERE - NO CONVERSION
One flat fee, shown upfront. Nothing buried in the exchange rate. What you send is what arrives.
✓ FLAT FEE — INSTANT — TRANSPARENT
You bill clients in New York, London, San Francisco.
But every payment gets clipped on the way to your local account. Kays holds your dollars as dollars — and earns yield on them while you work.
.00 USD
0.00 USD
.00 USD
Wire charges, exchange markups, "service fees", remittance apps skim from both ends and hope you don't notice. Kays delivers the full amount, fast, with one transparent fee you see before you send.
.00 USD
0.00 USD
.00 USD
Every border crossing costs you — FX fees, card surcharges, declined transactions. Kays gives you one dollar balance and a payment card that works at 150M+ merchants worldwide. No surprises at checkout.
Tap 'Load Card', fund it in seconds, and spend anywhere in the world.
Digital wallets. Online checkout. In-store. Your dollar balance, finally spendable.
Your balance is yours, tracked in your name, available whenever you need it.
Every dollar in your Kays vault earns yield automatically.
Just hold dollars — and watch them grow.
Available on iOS and Android
Takes 2–3 minutes. One-time only.
Receive USD from any platform or client
Your wallet works. You don't have to.
Available on iOS and Android
Takes 2–3 minutes. One-time only.
Receive USDC/USDT from any platform or client
Your wallet works. You don't have to.
