Prototype
Private beta · 2026

Borderless Wealth.Grow, protect, send and spend.

The ultimate financial vault. Combine stablecoin efficiency with traditional offshore banking and agentic AI.

Joining the private beta waitlist
How it works

One account. An agent that runs it.

Scroll to see the product move — the phone stays, the story changes.

01 · INTELLIGENCE

Everything on one screen. An agent that acts on it.

Your total balance across every account, what the AI has done and what it suggests next, and a glimpse of everything you own — in one place, before you tap anything.

  • Kin AI is on the home screen, not a separate tab — it suggests, and with one tap it acts
  • One total balance — wallets, accounts, pots and vaults, counted together
  • Your card is one tap away, beside your profile, from every screen
02 · MOVEMENT

Instant P2P & offshore banking

Zero-fee stablecoin transfers paired with real account details in your own name, held outside your local banking system. Convert between any of them, instantly.

  • Seconds, not days — any country, any hour, weekends included
  • USD, EUR and GBP details in your own name, not a shared pooled account
  • Convert on any account — fiat to fiat, fiat to stablecoin, without leaving the app
03 · PROTECTION

Collaborative pots & self-custodial vaults

Set money aside for what matters and let it fill itself — then move what you cannot afford to lose somewhere nobody can reach it. Both live in one place.

  • Shared pots — save together for a wedding, a trip, a home
  • Every pot earns, automatically, while it sits
  • Vaults are self-custodial — your own keys, passkey recovery, no permission to withdraw
04 · GROWTH

Physical gold, stocks and real-world assets

Hold what has survived every currency you have watched fail. Grow puts allocated gold, global equities and tokenised real-world assets in the same account as everything else.

  • Physical gold — allocated and vaulted, redeemable, not a paper contract
  • Global stocks and ETFs — fractional, settled in seconds, from any market
  • Real-world assets — treasuries and property income, tokenised and divisible
9:41Kin
Good afternoon
Nadia
N
Total balance
$7,060.60
Wallets · Accounts · Pots · Vaults
Kin suggests
Your house installment of $1,850 is due in six days. At your current spending you will be $310 short. Move it across from Emergency now?
EUR is 0.8% below its 30-day average. Convert $2,400?
Do it
$900 has sat idle six weeks. Treasuries would have earned $31.
Invest
Deposit
Send
Convert
Pots
$3,420
Vaults
$2,400
Grow
+4.1%
Pots See all
Sister's wedding
$1,850
62% of $3,000
Emergency
$920
31% of $3,000
New MacBook
$410
16% of $2,600
Activity
S
Seoudi Market
Card · Cairo · EGP 1,420
−$27.40
O
Omar Farid
Sent · Kin to Kin · instant
−$120.00
N
Nike
Card · online · USD
−$89.00
N
Netflix
Subscription · monthly
−$15.99
Northgate Design
Received · USD account · 14 Jun
+$850.00
Accounts
In your own name
N
Convert
Deposit
Send
Wallets · stablecoin rails
USD wallet
USDC · instant, near-free, always open
$1,240.60
on Solana
EUR wallet
EURC · convert in seconds
€0.00
on Base
Bank accounts · traditional rails
USD account
ACH · 8842 0117 9930
$0.00
Live
EUR account
IBAN · DE89 3704 •••• 0532
€0.00
Live
GBP account
Sort 04-29-09 · •••• 7741
£0.00
Live
Add an account
AED, CHF and more
Account details
Account holderNadia Zaza
Account number8842 0117 9930
Routing026 0092 09
Held inOffshore
Pots & Vaults
Saved and protected
N
Kin is doing this for you
Every time you're paid, I move 12% to your wedding pot before you can spend it. You've saved $1,850 without noticing.
Your pots · $3,420 total
Sister's wedding
Auto · 12% of every payment
$1,850
62% of $3,000
Emergency fund
Auto · $150 monthly
$920
31% of $3,000
New MacBook
Round-ups
$410
16% of $2,600
Trip home
Paused
$240
Resume anytime
How pots work
A pot is money set aside inside your Kin account. It still earns, it's still yours, and you can break it open any time.
Halal-screened growth is available on every pot, so saving never means earning interest.
Vaults · self-custodial
ONLY YOU HOLD THE KEYS
$2,400.00
Total across 2 vaults · not counted in your balance
Safety Vault
Passkey · recovery set up
$1,600.00
USDC
Long-term
Passkey · recovery set up
$800.00
Gold-backed
Create a vault
Takes about thirty seconds
Kin watches this too
I can top this up automatically whenever your balance goes above $2,000 — but I can never take anything out.
Why vaults exist
In 2019 Lebanese savers woke up to find their money frozen inside their own bank accounts. In 2024 the Egyptian pound lost half its value.
A Vault is money nobody can freeze, devalue, or refuse to give back. Not a bank. Not a government. Not Kin.
Your fingerprint is the key
No seed phrase to lose or have taken
Trusted recovery
People you choose can help you back in
Kin cannot touch it
We could not move this money if ordered to
Vaults are for ownership and protection, not for avoiding tax. You remain responsible for your own tax obligations.
Grow
Gold, stocks and RWAs
N
Invested
$2,140.00
+$84.20 · +4.1% this year
Kin noticed
You've had $900 sitting idle for six weeks. Treasuries would have earned you about $31 in that time.
What you hold
Physical gold
Allocated and vaulted · redeemable
$1,020
+2.8%
Stocks & ETFs
Fractional from $1 · AAOIFI-screened option
$690
+6.2%
Real-world assets
Treasuries and property income
$430
+4.9%
Explore
Global stocks
Fractional, from $1
Sukuk
Sharia-compliant fixed income
Tokenised property
Rental income, divisible to $10
Capital at risk. Every product is screened against AAOIFI standards where a halal option is offered.
The specs

The rest, briefly.

KIN 4419 •••• •••• 2287 Nadia HassanVISA

Global debit card

Pay with stablecoins or fiat — you choose which balance funds the tap. Anywhere Visa is accepted, at close to the real exchange rate, with no markup.

Stablecoin or fiat150+ countriesApple & Google PayVirtual instantly
4.1%APY

Yield on idle balances

Paid on pots and vault balances, accrued daily. Sharia-compliant option available at launch. Variable — not a deposit rate.

Regulated custodian Passkey Your keys

Security & custody

Day-to-day balances with a regulated custodian. Vaults are self-custodial by design — a breach of KinWealth cannot reach them.

Regulated custodianPasskey recoveryAudited pre-launch

Get early access

We onboard in small groups, market by market.