Money is trapped in closed networks and custodial platforms. We’re building Karma so anyone can hold, move, and use money like a bank account - while staying in self‑custody and on modern, programmable rails.

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What’s broken

  • You don’t own your money without keys
  • Rails are fragmented (IBANs in EU, routing in US, cards elsewhere)
  • Compliance is bolted on and painful

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What we believe

  • Own your keys, own your money
  • Compliant by design through regulated partners
  • One wallet for all rails (IBANs, routing, cards)
  • Programmable money movement where it helps

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Built for everyone

  • Individuals: receive with IBAN/routing, keep self‑custody, move between fiat and stablecoins
  • Businesses: issue accounts, run payouts and payroll, get auditability from day one

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Good Karma: banking that does good

  • A portion of our revenue goes to vetted causes; using Karma helps fund real‑world impact
  • You earn “Good Karma” on activity - your balances are never reduced; contributions come from us
  • Choose impact categories (e.g., climate, education, open‑source) and change them anytime
  • Transparent, auditable receipts in app
  • Businesses can optionally set programmatic rules to route a small share of volume to impact funds

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What we’re shipping

  • Accounts: IBANs and US routing/account numbers in your wallet
  • Payments: fast global transfers and on/off‑ramps
  • Cards & APIs: planned

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Why it matters

Same utility as a bank account, plus global reach, programmability, and user control.