Discover all the latest features Kem has to offer. From cards, rewards, and gold, you can do virtually anything.
Download App ↗
Own Your Money.
Spend Anywhere.
Your dollars. Your gold. Your card. All in one app.
CNBC · Top Fintech · 2026
Awarded the world's leading fintech title by CNBC's Top 500 Fintech Companies report 2026
cnbc.com↗Discover Kem
Discover all the latest features Kem has to offer.
Buy and Hold Bitcoin
Deposit your Bitcoin and spend your stablecoins anywhere your Visa is accepted.
Open Account ↗
Global Cards
Spend your stablecoins anywhere Visa is accepted, at over 150 merchants worldwide.
Get your first Card ↗
Secure Wallet
Your assets are protected with enterprise-grade security, multi-signature wallets, and a secure gold vault.
Create your wallet ↗
Backed by:
Backed by the largest stablecoin issuer in the world. Bringing digital dollars to the world, spend and save.
Invest in Gold easily
through Kem.
Send Gold to anyone or just build your stockpile all from the palm of your hands. Transparent Proof of Reserves to put your mind at ease.
Your Money
Simplified
Exchange Money
Instantly
Easily track your money in one place, just like your bank app—without the fees
Spend
Crypto Like Cash
Kem Cards let you spend crypto online or in stores—just like a regular debit card.
- USDT to USD Fees
- 1.00%
- Cards
- FREE FOR ALL
- Settlement
- INSTANT
Rewards
Cashback on the
things you already buy.
Pay with your Kem card and earn instant cashback — up to 5% back on food delivery, plus rides and flights across the region.
Food delivery
Talabat5%cashback
Food delivery
Keeta5%cashback
Food delivery
Noon5%cashback
Rideshare
Careem3%cashback
Rideshare
Uber3%cashback
Flights
Qatar Airways3%cashback
Flights
Emirates3%cashback
Flights
Etihad Airways3%cashback
Food delivery
Talabat5%cashback
Food delivery
Keeta5%cashback
Food delivery
Noon5%cashback
Rideshare
Careem3%cashback
Rideshare
Uber3%cashback
Flights
Qatar Airways3%cashback
Flights
Emirates3%cashback
Flights
Etihad Airways3%cashback
Learn How To Use
The Platform.
“Our investment in Kem App perfectly aligns with our mission to advance financial freedom for all.”
Paolo ArdoinoCEO of Tether ↗Send USD to friends, family, or business partners worldwide in just a few taps. Enjoy instant transactions, low fees, and top-tier security - no hidden costs, no delays. Send smarter. Send faster. Send with Kem.
Trusted by industry leaders
Kem for Business
Built for business,
powered by stablecoins.
Open a business account in minutes. Accept stablecoin payments and pay your team across borders — instantly, with near-zero fees.
- Full payroll
- Run payroll and pay your whole team across 150+ countries, settled in seconds.
- Instant off-ramps
- Convert stablecoins to fiat and withdraw straight to any bank account.
- Cards for your team
- Issue Visa cards to your employees with spend limits and controls built in.
Global
Trusted worldwide.
Move money anywhere, keep it in dollars, withdraw locally when you need it.
Blogs and Features
Stay on top with our latest articles. From market shifts to practical how-tos, explore clear, actionable insights on money movement and digital finance.
View All↗A practical framework for comparing crypto debit cards available to GCC residents, and where Kem stands out.
How to Choose a Crypto Card in the GCC: A 2026 Comparison Framework
How GCC residents can get a working debit card and manage everyday spending without a traditional bank account.
Crypto Debit Card Without a Bank Account: A 2026 Guide for GCC Residents
A practical look at sending money from the UAE to a GCash wallet in the Philippines, and where Kem fits in.
How to Send Money from the UAE to GCash in the Philippines (2026 Guide)
Nepali workers in Kuwait have several ways to send money home. Here is how they compare in 2026.
Sending Money from Kuwait to Nepal: Kem vs Banks and Exchange Houses (2026)
Sri Lankan workers in the UAE have several transfer options. Here is how they compare in 2026.
Sending Money from the UAE to Sri Lanka: Kem vs Banks and Exchange Houses (2026)
How to Send Money from the UAE to GCash in the Philippines (2026 Guide)
↗A practical look at sending money from the UAE to a GCash wallet in the Philippines, and where Kem fits in.