Your wallet is also your bank account.
Every mavi wallet pairs with a personal EUR IBAN on krypco. Receive your salary by SEPA, hold euros and dollars on-chain, withdraw to any bank in seconds. One address, real money, no middlemen.
Crypto wallets can't pay rent. Banks can't reach DeFi.
krypco is the bridge. Same address holds your salary and your on-chain assets — and they actually talk to each other.
- Bank account at one bank. Wallet on another chain.
- Move EUR → exchange → stablecoin → wallet. Three days, three fees.
- Pay someone in EUR? Off-ramp first. Hope it clears.
- Salary in crypto? Pray your employer figures out a payslip.
- Wallet IS your bank account. Same address, both worlds.
- SEPA in → kEUR out, or vice versa, in seconds.
- Pay anyone in EUR with on-chain settlement underneath.
- Salary in EUR, holdings in BFr, savings in kUSD — one wallet.
A real bank account, tied to your wallet.
Your personal IBAN is a regular EU bank IBAN. Same format any bank issues, same SEPA routing, same legal status. The only difference: it's linked to your wallet address, not a debit card.
kEUR & kUSD — stable, native, redeemable.
When EUR enters your IBAN, the krypco chain mints the same amount of kEUR to your wallet. Burn it later and the EUR comes back out. Same for kUSD with regulated USD stablecoin reserves.
Backed 1:1 by reserves of a regulated euro stablecoin held with an audited custodian. Redeem any time by sending to your personal IBAN — EUR arrives in seconds via SEPA.
Backed 1:1 by reserves of a regulated US dollar stablecoin. Hold, send and swap freely on-chain today; direct USD bank payouts via ACH/SWIFT come in a later phase.
Six reasons people switch.
Instant SEPA payouts
Withdraw to any bank in the SEPA zone in seconds. No batch windows, no two-day waits, no 'pending' purgatory.
One wallet for EUR, USD and BFr
Hold and send all three from the same address. Cross-currency moves happen on-chain in a single click — no exchange roundtrip.
Self-custody by default
Your wallet, your keys, your money. We never custody beyond the seconds it takes to settle a SEPA transfer in or out.
Programmable money
Salary auto-splits. Recurring rent. DAO treasuries that pay invoices. Anything your wallet can sign, your IBAN can settle.
Transparent reserves
Every kEUR and kUSD is backed 1:1 by regulated stablecoin reserves. Reserves are audited monthly and on-chain verifiable.
Built for the EU
MiCA-aligned, GDPR-compliant, DAC8-ready. Your IBAN is real, registered, and accepted by every European bank.
From signup to first payout.
Standard KYC — passport or ID, selfie, proof of address. One time only. Your data lives in an encrypted vault, not on-chain.
A real, registered EUR IBAN issued in your name and tied to your wallet. Use it like any bank account — share it for your salary, set up direct debits, do business.
When SEPA payments hit your IBAN, the same amount of kEUR appears in your wallet on the krypco chain. 1:1, instantly, redeemable any time.
Move kEUR like any token. Swap into BFr or kUSD. Send to another wallet. Or withdraw back to any SEPA bank — your bank or anyone else's.
Backed, audited, on-chain verifiable.
kEUR and kUSD are not algorithmic. Every token in circulation has a corresponding euro or dollar held in regulated reserves with an audited custodian. Reserves are reconciled on-chain so anyone can verify the peg in real time.
Every kEUR is backed by 1 EUR held in reserve. No fractional-reserve banking, no rehypothecation, no DeFi yield-stacking on user funds.
Reserves are audited monthly by an independent firm and proven on-chain via a published reserves contract. Reports are public.
User reserves never touch krypco's operating treasury. If krypco itself fails, your kEUR and kUSD are still redeemable.
Built for the EU regulatory environment from day one. Compliance status visible in your wallet at all times.
The questions everyone asks.
Yes. It's a real bank IBAN, registered in your name with a regulated EU institution, and tied to your wallet for the lifetime of the account. You can share it on invoices, give it to your employer, register direct debits — anything a normal IBAN does.
Your kEUR and kUSD are on-chain — you keep custody no matter what happens to us. The reserves backing them are held with regulated partners, ringfenced from krypco's own treasury. You can always redeem 1:1 through any compatible bridge.
Instant SEPA settles in under 10 seconds across most EU banks (24/7, weekends and holidays included). For banks that don't support instant SEPA yet, payouts complete same-day during business hours.
No. Your wallet is non-custodial — your keys, your money. We only hold funds for the seconds it takes to mint kEUR after a deposit, or to send EUR after a withdrawal. Everything else lives on-chain in your control.
Functionally none — 1 kEUR = 1 EUR, always, redeemable for SEPA at any time. The difference is what you can do with it: kEUR is programmable, composable with smart contracts, and moves at chain speed instead of bank speed.
Same model — 1 kUSD = 1 USD, backed 1:1 by regulated USD stablecoin reserves. Direct USD bank withdrawals via ACH/SWIFT come in a later phase; today you can hold, send, and swap kUSD freely on-chain.
Receiving SEPA into your IBAN: free. Holding kEUR / kUSD: free. Sending to another wallet: just chain gas. Outgoing SEPA payout: small flat fee (covers the bank rail). Swaps via the AMM: 0.05% on stable pairs, 0.3% on BFr pairs.
Yes, once. Issuing a real IBAN means complying with EU AML rules — there's no way around that. We keep the process minimal, your data stays encrypted, and only verification status (not your documents) ever touches the chain.
One wallet. Real money. Built for the way the world actually works.
Get your personal IBAN, hold euros and dollars on-chain, settle to any bank in seconds.