For Cross-border Living
Keep a dollar balance. Spend in local currency
Hold supported dollar stablecoins and use the Kaloq Card for eligible expenses as you live, work, or travel across borders.
The friction
Your balance should work where you spend
Your balance can travel with you while your expenses change country by country.
Travel, accommodation, transport, restaurants, and online tools still need a usable card.
A cross-border card is not automatically cheaper; funding, conversion, FX, cross-border, and ATM costs all matter.
How it works
Keep the same balance as life moves
Your wallet balance starts the flow; the card completes it in local spending.
Start with supported stablecoins
Keep supported USDT or USDC in your personal wallet.
Move funds into Kaloq
Transfer funds into Kaloq and review the available balance.
Pay with the Kaloq Card
Use the card for eligible online, in-store, and travel purchases.
The merchant receives fiat
Stablecoins are converted in the card flow; merchants receive ordinary local currency.
Built for your life
One personal spending flow for the places your life takes you
Stay ready across borders
Keep supported dollar stablecoins available for eligible local spending.
Cover the moving parts
Use the Kaloq Card for travel, accommodation, transport, restaurants, and online tools.
Understand the total cost
Review current indicative fees and confirm the final cost before you spend.
Real usage flow
From your balance to a real purchase
Move supported stablecoins from your wallet, review your available balance, and use your Kaloq Card for the next thing your day needs.
Merchants do not receive digital assets directly. Supported digital assets are converted in the card transaction flow and the merchant receives ordinary fiat currency. KYC, transaction monitoring, source-of-funds review, and restrictions for certain regions or high-risk merchants may apply.
Questions
A clearer way to spend
Keep your balance ready to spend
Start with your supported wallet balance and make more of everyday life.