Make your money
work harder.
Earn variable APY on 70+ assets, borrow against your portfolio with a dynamic lending engine, and track every balance in one real-time Net Position.
Your wealth, working
$128,450.92
HF 4.87
Earned this yr
$8,240
Net APY
+5.1%
Available credit
$24k
Bitcoin
$58,210
▲ +2.4%
Ethereum
$42,140
▲ +1.8%
Your USDC is earning +5.1% APY — about $612/yr.
Everything your wealth needs, working in concert.
Grow your savings on autopilot
Open an account and earn up to 16% annually on your digital assets — interest paid daily, compounding for you.
Borrow without selling
Pledge 70+ assets as collateral and unlock liquidity instantly. See it all in one Net Position.
Explore lendingSpend, earn 2% back
Spend anywhere without selling — up to 2% cashback with the KaiBank Card.
Assets held in segregated, audited cold storage — protected by institutional-grade security.
How we keep you safeEarn, borrow, and see your net interest in one number.
KaiBank lending pools let you supply liquidity for variable APY or borrow against your portfolio without selling. The Net Position dashboard shows exactly what you're earning — and what your debt is costing — at a glance.
Two-sided pools
Supply 70+ assets to earn variable APY or pledge them as collateral to borrow other assets — same wallet, both sides.
Live utilization rates
APY auto-adjusts in real time via a dynamic two-slope model. Higher demand pays you more; idle liquidity stays cheap.
Health factor protection
Your dashboard shows a single number that says 'safe' or 'at risk'. We enforce HF ≥ 1 on every action — no surprises.
Your Net Position
$0.42
Everything you supply, minus everything you borrow.
You supply
Earning interest
$34,200
+5.1% APY
You borrow
Against collateral
$10,019
8.2% APR
Fund your account effortlessly.
Add funds via bank transfers under your name, or choose from simple alternatives that match your needs — wherever you are in the world.
Crypto-friendly bank transfers
Your personal USD, EUR, and GBP accounts on KaiBank help you prevent blocked or delayed transactions that banks can impose on third-party transfers.
Seamless crypto transfers
Receive crypto from external platforms or wallets across 20+ blockchain networks like Ethereum, Solana, and Tron.
Instant and local payment solutions
Choose between instant card payments with Visa, Mastercard, Apple Pay, Google Pay or popular regional payment methods that work best for you.
Why choose KaiBank?
KaiBank empowers forward-thinking investors to build long-term wealth by offering the most comprehensive suite of digital asset solutions. Our approach unites cutting-edge products, robust infrastructure security, and white-glove client care.
Proven track record
A track record you can rely on
White-glove client care
Personalized client care
Global footprint
Jurisdictions worldwide
Outstanding confidence
Assets under management
Strong financial health
Proven regulatory compliance
High liquidity
Total processed volume
Trusted by people who don't settle.
Real words from clients around the world — and a team that answers, seven days a week.
“I moved a chunk of my savings over last year and honestly haven't looked back. Withdrawals are quick and I always know exactly what I'm earning.”
Marcus Reinhardt
Product designer·Germany
Frequently asked questions.
The essentials, answered. For everything else, our Help Center and 24/7 support team have your back.
Still have a question?
Browse hundreds of guides or talk to a real person any time.
Visit the Help CenterCreating an account is simple. Click the 'Get Started' button at the top right, verify your email with the OTP code, set a secure password, and complete your basic profile information.