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NewSend dollars to 19 more networks

Dollars for
every phone.

Hold, spend and send dollars from your phone. Kova opens with Face ID, so there’s no seed phrase to lose.

Get the app Open on the web
The dollar card screenGet paid: Kova's code to scan
Kova home screen: available balance, Pay, Send and RequestThe dollar card in dark mode: $144.02 ready to spend
Send to another network: paste their addressAda paid you privately, +$20.00
+$20.00 from AdaPrivate · just now
Sent to BaseArrives in about 2 min
Dollar card

Spend your dollars anywhere online.

Verify your ID once and get a virtual dollar card. Top it up from your Kova balance in a tap, and move what’s left back whenever you like.

  • Ready in minutes after one ID check
  • Top up from Kova in a tap
  • Freeze it, or withdraw to Kova, any time
The Kova dollar card: $144.02 ready to spend, with Top up, Withdraw, Details and FreezeThe Kova dollar card in dark mode: $144.02 ready to spend
Send anywhere

Paste any address. Kova finds the network.

Send to someone on Kova in about a second, free. Or send to Base, Solana, Ethereum and 16 other networks, and it arrives as USDC.

  • Arrives in about 2 minutes
  • No gas for you, or for them
  • The delivery fee is shown before you send
Paste their address: Kova lists the 19 networks it can send to
Get to know Kova

Made for how money really moves.

Private payments

Pay privately. Strangers can’t link it to your wallet.

Ada paid you privately, +$20.00
Sealed note
Offline payments

No signal? You still get paid.

Show Kemi this code: $0.25, waiting to settle
No signal needed
Limits on every key

Give an AI agent a budget, not your wallet.

Claude$13.60 left of $20 today
Tolu’s allowance$38 left of $50 this week
Sam at the bakery$122 left of $200 today
Cash out

Cash out to your bank, in your currency.

Send

Send to a friend in a second.

Send $20.00 to Tomás, fee $0.00, Kova covers it

Details

    Nearly everywhere

    Your dollars go where you go.

    Cash out to banks and mobile money in local currency, or send dollars to 19 other networks.

    United StatesBank
    United KingdomBank
    Euro areaSEPA bank
    CanadaBank, Interac
    NigeriaBank, in seconds
    GhanaBank, mobile money
    KenyaBank, mobile money
    South AfricaBank
    UAEBank
    AustraliaBank
    SingaporeBank
    PhilippinesBank
    MexicoBank
    Hong KongBank
    TanzaniaBank, mobile money
    UgandaBank, mobile money
    ChinaBank
    Other countriesSWIFT, in dollars

    Rates and any fees are shown before you confirm.

    Kovi holding a key
    Security

    Only you can move your dollars.

    Kova is a self-custody wallet. The key lives on your phone, and Kova’s servers never see it.

    • Face ID, no seed phraseYour wallet opens with a passkey.
    • Your own backupWrite down 24 recovery words if you want them.
    • Checked on MonadNothing says Paid until it’s on the chain.
    • Open sourceThe app, the API and the contracts are public.
    Kova for business

    Your phone is the card machine.

    Customers tap, scan or pay a link. The money lands in your own wallet in about a second, with no card fees and no waiting days to get paid.

    Open a shop, free
    01

    Ring it up

    Pay Ada’s Bakery: $3.75, with a code to scan
    02

    Paid in about a second

    Paid! $3.75 for a cinnamon bun, card fees $0.00
    03

    See your day at a glance

    Today: $33.75 taken from 6 sales, $0.00 in card fees
    Staff phonesPair any phone with a code. It can only take payments.
    Your shop onlineA menu with photos, table codes and stamp cards.
    Pay your teamPayroll and suppliers, straight from your takings.
    Private takingsYour sales stay private. Share a view with your accountant.
    For developers

    One POST to charge. A signed webhook when it’s paid.

    Retries are safe with an Idempotency-Key, every payment is matched on Monad, and AI agents can pay over MCP within a limit you set.

    Get API keys GitHub
    $ curl $KOVA_API/v1/payment_intents \
    -H "Authorization: Bearer $KOVA_SECRET_KEY" \
    -H "Idempotency-Key: order-1042" \
    -d '{"amount":"12.50","reference":"Order 1042"}'

{
  "id": "pi_06gd1ajtn5yr71g1tdwpvk9fqm",
  "amount": "12.50",
  "status": "requires_payment"
}
    Help

    Questions, answered.

    Still stuck?Message us on X. A person reads every message.
    What is Kova?

    A dollar wallet for your phone. Hold dollars, pay shops, send to anyone, spend with a dollar card and cash out to your bank. It runs on Monad, so payments land in about a second.

    Where are my dollars kept?

    In your own wallet, as AUSD, a dollar stablecoin issued by Agora. Only your phone can move them. Money you put on the dollar card is held by our card partner until you spend it or move it back.

    What does it cost?

    Sending to another Kova wallet is free: Kova pays the network fee. Sending to another network has a delivery fee, and cashing out may include a rate or fee. Every cost is shown before you confirm.

    Where can I cash out?

    Banks and mobile money in 17 currencies, including the US, Canada, the UK, the euro area, Nigeria, Ghana, Kenya, South Africa, the UAE, Australia, Singapore and the Philippines.

    What if I lose my phone?

    Your passkey syncs with your Apple or Google account, so a new phone opens the same wallet. You can also restore it with your 24 recovery words.

    Is Kova a bank?

    No. Kova is a self-custody wallet: the dollars stay yours and in your control. Kova never lends them out.

    Get started.
    Download Kova.

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