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Documentation Index

Fetch the complete documentation index at: https://docs.karmapay.xyz/llms.txt

Use this file to discover all available pages before exploring further.

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.