Krak is the fast, simple, and secure way to send and receive money instantly – all from a lightweight, on-the-go app designed for effortless peer-to-peer payments. Built for speed and trust, Krak makes moving money between friends, family, or anyone else as easy as a tap. Whether you’re splitting a bill, paying for services, or just sending cash, Krak helps you do it securely, anytime, anywhere. GLOBAL P2P PAYMENTS WITH REWARDS • Send money instantly to 160+ countries using just a @Kraktag username • Earn up to 4.1% rewards on USDG balance • Zero transfer fees with transparent, upfront conversion rates INSTANT & TRANSPARENT TRANSFERS • Your money arrives in seconds, not days • See exactly what you're sending and receiving with zero hidden fees • When converting between currencies, all spreads are shown upfront before you confirm • No lockups on balances - access your money whenever you need it • Manage international finances without juggling multiple apps MULTI-CURRENCY BY DEFAULT • Hold, convert, and send 300+ fiat currencies, stablecoins, and crypto assets • Live in USD, get paid in EUR, send in GBP - Krak handles it seamlessly • Real-time asset swapping with all costs shown before you confirm PAYMENTS THAT FEEL LIKE A CHAT • Pay friends like you send a DM with your unique @Kraktag username • Share animated paylinks with memes & emojis - feels like texting, not banking • Chat-like flows make complex financial tasks simple • Request money or send payment reminders easily BUILT FOR YOU, POWERED BY KRAKEN Built by the team behind Kraken, one of the world's most trusted crypto exchanges. Your funds are protected with institution-grade security, multi-factor authentication, and industry-leading safety protocols. GET PAID TO PAY • Earn $10 in USD for every friend that opens and funds an account. You can do it up to 100x, stacking $1000 USD in rewards • Get a surprise crypto reward (we call them KrakBacks!) after your first successful payment each day* *Terms and conditions apply: krak.app/krakbacks-terms Krak is an affiliated brand of Kraken. Geographic restrictions apply. Instant buy/sell fees apply when you convert one asset or currency to another before making a transfer. Please see our fee schedule for more information: www.kraken.com/features/fee-schedule. Applicable fees will be shown before you make a transfer. Geographic restrictions apply. Rewards rates are determined and paid out by Kraken in its sole discretion and are subject to change. See our Terms of Service for more info: https://www.kraken.com/legal. Due to its partnership with Global Dollar Network, Kraken receives an economic benefit with respect to amounts of USDG minted, held on platform, and received in on-chain transfers. APY as of January 21, 2026, subject to change. Rewards are variable and not guaranteed; you can lose some or all of your assets. Kraken does not control third-party protocols. Offered by Payward Wallet, LLC. Fees apply. Not investment advice. Crypto trading involves risk of loss and is offered to US customers through Payward Interactive, Inc. View legal disclosures at kraken.com/legal/disclosures. Terms of Service: www.kraken.com/legal
