Help & FAQs

- You can send or request money on Kem by the basic flow or by using a QR code, the basic flow is:
1. Go to Send page
2. Enter the amount you’d like to send or request and make sure it’s in the correct currency, then click on send
3. Select the person from your contacts
4. Leave a note if you’d love to, and pick a payment method
5. Click on send

- Sending or requesting money by a QR code:
If you’d like to make the transaction in person, click on scan, then scan the other persons QR code, and click on send (or request)

There is a small fee for sending, but receiving is completely free.

Kem supports Apple Pay, Debit and Credit card, your wallet balance, and deposits from external crypto wallets.

We have purchasing limits of maximum $2,000 but deposited crypto. For sending more than $10,000 worth of crypto we may have to ask for more details and KYC.

Kem does not currently support recurring payments, but you can manually send payments whenever needed.

Once a payment is made it is final, please always double check the recipient as there is nothing we can do once the assets have been sent.

If they don’t have the app they will receive an SMS saying to download the app and that their money is waiting for them. If they don’t accept it you can take the money back into your wallet so that its not lost.

Kem supports USDT, XAUT (Gold), BTC and ETH

By going to the activity page

There are few reasons for pending transactions, it could be Network Congestion, Not Enough Funds in Wallet or other reasons. Please wait up to 30 minutes and if the issue still prevails contact support at [email protected].

Yes, you can add Multiple payment methods to your account.

No, we do not charge for sending within the app.

Yes, after entering the amount, and choosing the currency,

1. Click on send or request
2. Choose the person from your contacts list
3. If they’re not a Kem user, you can send an SMS invitation with the transaction / request

Yes,

1. Go to the activity page
2. Click on the filter next to the search bar
3. Enter the time period you’d like to review, and click on apply filter

Fees are calculated based on the network congestion and gas prices, these can vary and are out of our control as network congestion can be elevated during certain hours.

Yes, after entering the amount, and choosing the currency,

1. Click on request
2. Choose the person from your contacts list
3. If they’re not a Kem user, you can send an SMS invitation with the request

Yes! Kem supports cross-border payments in supported currencies, allowing you to send and receive money globally.

Most transactions are processed instantly, but in some cases, it may take up to a few minutes depending on network congestion and payment method.

If your transaction fails, check the following:

- Ensure you have enough funds in your wallet or linked payment method.
- Verify that the recipient’s details are correct.
- Check for network issues or congestion.
- If the issue persists, contact Kem support.

Yes! You can link multiple bank accounts and cards to your Kem account for flexible payment options.

Yes, you will just have to request each of the people individually.

Transactions on the blockchain are irreversible. If you send funds to the wrong recipient, you’ll need to contact them directly and request a refund. If you suspect fraud, contact Kem support immediately.

Yes, you can view all pending transactions in the activity page, where you’ll see their status and estimated completion time.

Kem cannot reverse transactions once they are completed. Refunds are at the discretion of the recipient. If there’s an issue, contact support.

Yes, you can send a payment link via SMS, email, or social media to a non-Kem user, inviting them to sign up and receive the funds.

Blockchain network congestion may cause delays. If your transaction is pending for an extended period, contact support for assistance.