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Money that connects continents
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Rewards & referral

The more you're together, the more you get back.

Every transfer moves you up from Bronze to Diamond — unlocking lower fees and perks along the way. Invite the people you already send to, and you both earn.

Four loyalty tiers from Bronze to Diamond, with better perks at each level
Earn rewards on the money you already move — transfers, top-ups and more
Referral bonuses for you and the person you invite
Kudu app showing loyalty tiers and referral rewards
How it works

Simple by design.

1

Start at Bronze

Every Kudu member begins at Bronze. Just using the app for what you already do starts building your status.

2

Climb the tiers

Sending and topping up moves you toward Silver, Gold and Diamond — each with better perks.

3

Invite your circle

Share your referral link with family and friends. When they join and transact, you both earn a bonus.

Why it's better

Built around the outcome.

Rewards for real activity

This isn't points for nothing — you earn on the transfers and savings that are already part of your life across continents.

Better the higher you go

Higher tiers unlock lower fees and member perks, so loyalty pays back the community that keeps money moving.

Growth through belonging

Kudu grows the way communities do — person to person. Referral bonuses reward you for bringing your people along.

More of the app

USDC & EURC rails

Regulated stablecoins settle your transfers in seconds — kept invisible.

Learn more →

KuduPay offline

Pay and get paid by QR code, even with no internet on either phone.

Learn more →

Cash agents

A verified marketplace of agents to deposit and withdraw cash near you.

Learn more →
Frequently asked

Answers to the common questions.

How do I move from Bronze to Diamond?
You climb the four loyalty tiers — Bronze, Silver, Gold, Diamond — simply by using Kudu for what you already do: sending, receiving and transacting. Each tier unlocks better perks than the last.
What do referral bonuses actually pay out?
When you invite someone with your referral link and they join and transact on Kudu, you both earn a bonus — the exact amount is shown in the app before you share your link.
Do higher tiers really lower my fees?
Yes — each loyalty tier from Silver upward unlocks better rates on the same transfers and services, on top of member perks. Your current tier and its benefits are always visible in the app.
Do I lose my tier if I stop using Kudu for a while?
Tiers are based on your ongoing activity, so a long period of inactivity can move you back down — the app always shows what's needed to reach or keep the next tier.

One app. Everything you need.

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