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Stablecoin rails

USDC & EURC, working quietly behind every transfer.

Kudu settles on regulated dollar and euro stablecoins so money moves in seconds, not days — and you never have to touch, understand, or even see the crypto part.

✓Backed 1:1 by Circle's USDC and EURC, redeemable for real dollars and euros
✓Settlement on Stellar — cents in fees instead of double-digit percentages
✓Zero crypto knowledge required: you send francs, they receive francs
Kudu app showing a stablecoin-backed balance
How it works

Simple by design.

1

You send local money

Fund a transfer in euros, dollars or CFA francs from your Kudu wallet, card or bank — exactly as you always would.

2

We convert on the rails

Behind the scenes Kudu moves value as USDC or EURC over Stellar, so it clears in seconds at a fraction of a percent.

3

They receive real cash

Your recipient cashes out with a verified agent or spends from their wallet — in their own currency, never a token.

Why it's better

Built around the outcome.

✓

Regulated, not speculative

USDC and EURC are fully-reserved and audited by Circle. Your money isn't riding a volatile coin — it's a digital dollar.

✓

Fast and near-free

Stellar settlement means transfers finalise in seconds and cost cents, which is how Kudu keeps its own fee around 1% and the all-in cost under 3%.

✓

Invisible by design

There's no wallet address to copy, no gas to buy, no seed phrase to lose. The rails stay hidden; the value stays yours.

More of the app

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 →

Rewards

Climb from Bronze to Diamond and earn as you send, save and refer.

Learn more →
Frequently asked

Answers to the common questions.

Do I need to understand crypto to use Kudu?
No — USDC and EURC stay entirely behind the scenes. You send and receive in euros, dollars or CFA francs; the stablecoin settlement is invisible plumbing you never have to touch, understand or even see.
What are USDC and EURC, and why does Kudu use them?
USDC and EURC are regulated stablecoins issued by Circle, each backed 1:1 by real dollars or euros held in reserve. Kudu settles transfers on them via the Stellar network because it clears in seconds for a fraction of a percent, instead of days at a double-digit fee.
Is my money safe if it's held in stablecoins?
Yes — USDC and EURC are fully-reserved and independently audited by Circle, redeemable 1:1 for real currency. It isn't a speculative crypto asset riding market swings; it's a digital dollar or euro used purely as fast settlement rails.
Can the exchange rate move against me while my money is in USDC or EURC?
No — stablecoins are pegged 1:1 to the dollar or euro, so holding value in USDC or EURC doesn't expose you to crypto price volatility the way holding Bitcoin would.

One app. Everything you need.

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