All updates and announcements in one place. We’re building towards a community portal combining changelogs, proposals, and holder votes—making Karma a true community-driven product.
Added a privacy-first balance toggle on the Home Screen. Tap the eye icon next to “Available Balance” to hide your balance from prying eyes. The hidden state displays a clean $•••••• (Robinhood-style) and persists across app sessions.
Your User ID is now easily copyable in Account Settings. Tap the row to copy the full ID to your clipboard with haptic feedback and a confirmation toast. Useful for support requests and debugging.
Declined card transactions now display the merchant’s logo instead of a generic red X icon. The transaction status is still clearly marked as declined, but you can now see which merchant the transaction was with at a glance.
Reduced card authorization latency from ~700ms to ~200ms by combining multiple database queries into a single optimized call. This eliminates webhook timeouts that previously caused declined transactions, resulting in a smoother and more reliable payment experience at checkout.
Upgraded our wallet creation system to support unlimited users by switching to a sub-organization architecture. New users are no longer affected by per-organization wallet limits, ensuring seamless onboarding as we scale.
Added a search bar to the country selection screen during onboarding. Users can now quickly find their country of residence by typing instead of scrolling through a long list.
Added an automated fraud detection system that validates refund transactions against user spend history. If a refund arrives from a merchant the user has never transacted with across any of their cards, the refund is declined, the card is automatically frozen, and the account is flagged for review. Fraud-blocked cards cannot be unfrozen by the user and withdrawals are disabled until support resolves the case.
Push notifications are now richer and more actionable. Tapping a transaction notification takes you directly to the transaction detail screen. Foreground notifications display type-appropriate toasts—spend and refund notifications show the transaction amount, declines show an error alert, and top-ups show a success confirmation. On Android, notifications are now routed to dedicated channels (Card Transactions and Security Alerts) so users can customize their notification preferences.
Top-up and withdrawal actions now update the displayed card balance instantly instead of waiting for on-chain confirmation. The UI optimistically reflects the new balance immediately after a successful action, with a background reconciliation against the blockchain a few seconds later.
The balance shown in card transaction push notifications now reflects the correct post-transaction amount. Previously, the notification could show the balance before the transaction was deducted due to a timing issue with cached balance reads.
Implemented an updated fee collection mechanism for Karma card transactions, covering pass-through costs and service fees. Fees are automatically calculated and collected alongside each transaction without impacting authorization speed. Additionally, ATM transactions are now supported with applicable fees instead of being blocked outright.
Added support for card transaction disputes via webhook integration with our card issuer. When a dispute is filed, it is automatically tracked in our system and processed accordingly.
Completed refund transactions now automatically credit the user’s card wallet balance. Per card network rules, only fully settled refunds trigger a balance update—pending refunds are held until settlement is confirmed.
The transaction list on the Home Screen has been upgraded with better visual hierarchy, larger icons, and a more intuitive layout for quickly reviewing your recent activity.
Card transactions now show recognizable merchant logos and category-specific icons (food, transport, shopping, and more) instead of generic placeholders, making it easier to identify your spending.
Card transactions now authorize significantly faster. We’ve optimized our balance verification system to deliver near-instant authorization decisions, reducing wait times at checkout. This improvement ensures a smoother payment experience whether you’re shopping online or in-store.
When transactions are declined after funds have been reserved, refunds are now processed automatically. No more waiting for manual intervention—affected users receive their funds back promptly without needing to contact support.
Your card wallet balance now updates in real-time as deposits arrive. Previously, balance updates could take a few seconds to reflect—now incoming funds are recognized instantly, so you can spend immediately after topping up your card.
We’ve updated the list of available countries in our identity verification flow to better reflect supported regions. The country selection UI now accurately displays only the jurisdictions where Karma card services are currently available, providing a cleaner onboarding experience.
The authentication screen now correctly distinguishes between new sign-ups and returning users. Previously, new users would sometimes see “Welcome back” messaging during their first registration—this has been resolved to ensure the right welcome experience for everyone.
Fixed an issue where user names weren’t being saved during the card verification process. This caused some users to see “Card Holder” instead of their actual name when viewing card details. Names are now properly persisted and existing affected users will have their information automatically synced.
Added comprehensive support for handling identity verification rejections and denials. Users whose applications were previously declined can now start fresh applications without getting stuck in error states. The system properly clears old verification data and provides clear messaging about next steps.
We’ve upgraded our Turnkey wallet infrastructure to support 100,000+ users with improved reliability and performance. This upgrade ensures Karma can continue to scale while maintaining fast and secure wallet operations for all users.
Karma now covers all Solana transaction fees, rent costs, and token account creation fees on behalf of users. This means you no longer need SOL in your wallet to perform transfers—Karma handles all blockchain costs so you can focus on using your funds without worrying about gas fees.
Updated our backend to handle amounts in dollars instead of cents, simplifying calculations and reducing potential conversion errors. This change ensures consistent amount handling across all API endpoints and improves accuracy in transaction processing.
Added support for Program Derived Addresses (PDAs) for Rain deposit addresses. This enhancement enables more flexible on-chain deposit routing and improves compatibility with Solana’s account model for card funding operations.
Optimized card authorization speed by shifting the source of truth to on-chain data powered by Helius. Card transactions now verify balances directly from the blockchain in real-time, resulting in faster approval times and more reliable authorization decisions.
Added withdrawal endpoints for the card-linked wallet, enabling users to move funds from their card wallet back to their main wallet or external addresses. This provides greater flexibility in managing card balances and gives users full control over their funds.
We’ve upgraded the identity verification flow with improved user experience and smoother transitions. The flow now guides users more clearly through each step of the verification process, reducing confusion and drop-off rates.
Fixed a bug with birthdate validation during the KYC process. Users can now enter their date of birth without encountering validation errors, ensuring a smoother onboarding experience.
Redesigned the terms and agreements flow in the mobile app with a cleaner, more intuitive interface. Users can now review and accept required agreements with improved readability and a more professional presentation.
Added a dedicated success state for the card creation flow, providing clear visual confirmation when a user’s card has been successfully created. This gives users confidence that their card is ready to use.
Integrated PIN management directly into the mobile app. Users can now view and manage their card PIN without leaving the app, providing a more seamless and secure experience for card security management.
Added smooth animations during the wallet creation flow, providing visual feedback as users set up their wallets. These animations make the process feel more polished and help users understand that their wallet is being securely created.
The Karma mobile app has been reviewed and approved by all partners and teams, and has been officially submitted to Apple for TestFlight publishing. The app is now ready to be used with Apple Wallet, bringing seamless card management to iOS users.
We’ve implemented various security optimizations in our backend handling and upgraded all APIs from testnet to production environments. This marks an important milestone as we prepare for broader user access with production-grade infrastructure.
We’ve completed the full integration of Rain Cards into our mobile application, including comprehensive testing of all card functionality. Users can now apply for, manage, and use their Karma cards directly within the mobile app with a seamless native experience.
The Karma mobile app has reached feature completion and is now ready for review and TestFlight submission. This represents months of development work culminating in a polished, production-ready mobile experience for our users.
We’ve published our official Karma Spend Card Terms, providing complete transparency on card usage, fees, dispute resolution, and user rights. These terms outline everything you need to know about using your Karma card.
Integrated Turnkey’s secure wallet infrastructure into Karma’s user experience and mobile app. This provides institutional-grade key management and signing capabilities while maintaining a seamless user experience. Users get the security of self-custody without the complexity.
Integrated Helius to power real-time on-chain data and transactions within our mobile UI. This enables accurate balance updates, transaction tracking, and a truly seamless blockchain experience without users needing to understand the underlying technology.
Published the frontend for our beta testing environment, including the core mobile application experience. This release features the main navigation system, home screen with balance overview, profile management screen, and the complete wallet flow for viewing and managing crypto assets.
Published a comprehensive update to our Privacy Policy, detailing how we collect, use, and protect user data. The updated policy includes enhanced disclosures for UK and EU residents under GDPR and provides clarity on data sharing with our banking and card partners.
Published our Prohibited Activities list, clearly outlining activities that are not permitted when using Karma services. This helps ensure compliance and protects our community from misuse of the platform.
Published our E-Sign & Electronic Communications Notice, enabling users to receive all legal disclosures and communications electronically. This streamlines the onboarding process while ensuring full legal compliance.
Following a unanimous decision by our whale holders, we’ve updated the Inner Circle requirements from 3M to 5M $KARMA (representing 0.5% of total supply). This exclusive group continues to shape Karma’s direction through direct governance participation and early access to new features.
Published a new version of our Terms of Service, establishing the legal framework for using Karma’s services. These terms cover account usage, card services, dispute resolution, and user responsibilities.
Completed significant updates to the user experience for the card onboarding flow in our beta mobile app. The new flow provides clearer guidance through identity verification, card application, and activation steps.
Completed the final design details for our mobile application, establishing the visual language and interaction patterns that will define the Karma mobile experience. The design system follows our high-end aesthetic with attention to every detail.
We now track and display all bank verification microdeposits in your transaction history. When connecting external bank accounts through PayPal, Stripe, or other platforms, you can now see the exact microdeposit amounts directly in Karma. This makes account verification flows seamless and transparent, with microdeposits clearly labeled with a professional “Micro-deposit” badge and neutral gray styling to distinguish them from regular transactions.
Your transaction history now properly reflects all transaction states including refunds, scheduled transfers, and under-review deposits. Previously, refunded deposits would remain stuck in processing status—now they immediately update to show the refund with clear orange indicators. We’ve also added support for tracking ACH scheduled transfers and deposits under manual review, giving you complete visibility into every transaction’s lifecycle.
We’ve refined the transaction interface with a more sophisticated color system that better communicates transaction types. Microdeposits use subtle gray tones, refunds display in orange, deposits remain green, and withdrawals stay red. All badges now follow our high-end design system with consistent shadows, spacing, and typography for a cleaner, more professional appearance that matches our Figma designs.
The Accounts page has been completely redesigned with a high-end, professional look. New features include time period filtering for transaction stats (7D, 30D, 90D, All-time), clickable IBANs with copy-to-clipboard functionality and toast notifications, and a cleaner layout for virtual accounts. Account holder names now display dynamically when available.
View your complete transaction history with a redesigned high-end interface. Features include smart pagination for fast loading, search and filter functionality, transaction summaries showing deposits and withdrawals at a glance, and direct links to blockchain explorers. The page now loads 20 transactions at a time with “Load more” for optimal performance.
Comprehensive mobile experience upgrade across all pages. The bottom navigation now stays fixed when scrolling, transaction headers stack properly on smaller screens, currency amounts display with proper formatting, and card visuals scale beautifully on mobile devices.
When adding a bank account, users are now guided to use Bill Pay for third-party payments. This clearer messaging helps prevent confusion and ensures withdrawals go to the user’s own accounts as required.
You can now update your email address directly from the Settings page. This change syncs across both Karma and our banking partner, ensuring your account stays connected while giving you flexibility to manage your email. Perfect for users who need to transfer or change their primary email while keeping their Karma account intact.
We’ve improved our transaction tracking system to ensure more accurate status updates. Transactions now properly sync with our banking partner’s webhook events, and abandoned transactions are automatically cleaned up after 15 minutes. This means cleaner transaction history and more reliable status reporting across the board.
We’ve officially launched this changelog to keep our community informed about all development activity and product updates. This is the first step towards our vision of a unified community portal where holders can stay informed, submit proposals, and participate in governance.
Following a community vote by our whale group, we’ve updated the Inner Circle requirements from 1M to 3M $KARMA. This exclusive group continues to play an important role in shaping the future of Karma through direct input and governance participation.
We’ve upgraded our community Telegram with Safeguard protection and refreshed branding. These improvements help keep our community safe while providing a more polished experience that reflects our evolving brand identity.
Various improvements have been made across our documentation portal to provide clearer guidance and better user experience. We’re committed to making Karma as accessible and easy to understand as possible.
We’ve upgraded our payment infrastructure to support ACH Same-Day and SEPA Instant transfers, significantly reducing withdrawal times. To support these premium rails while keeping Karma self-sustainable during this early stage, off-ramps now include a small flat fee: $1.45 for SEPA and $0.95 for ACH Same-Day. We remain committed to keeping fees as low as possible as we continue to grow.
