Kolo

Kolo Podcast 12 is live 🔥 David Gan, Founder & General Partner at Inception Capital sat down with us to talk about why 95% of founders never get funded, how top VCs spot the next big thing before it's obvious, and why saying "no" might be the most underrated skill in investing. Watch here ⬇️ https://youtu.be/lY6uxWHu1vU

💼 Did you know? Kolo isn't just personal - your company's crypto can pay its bills too. Most of you use Kolo for everyday spending. But if you run a business, or work for someone who does - this one's for you. Same problem, bigger scale: the company treasury sits in crypto, but the bills come in dollars - ads, servers, flights, rent. Someone converts manually before every single payment. Kolo Business Card fixes that: • every employee gets a card linked to the shared company balance • charges convert to USD instantly, at the moment of payment • 1–2% fee depending on monthly volume, built into the rate, nothing on top • up to 100 cards per company, monthly limits up to $1M depending on Source of Funds • 159 countries, Apple Pay & Google Pay • one dashboard: master account, employee limits, per-card statements Know a founder or a CFO who needs this? Forward them this post 👇

🌍 No borders, no limits — the Kolo EUR card is here. Every update makes Kolo bigger and puts more in your hands. Today, that's the euro card. Built over months: more currencies, more features, more of your life in one app. What you get: ▪️ A global Euro card for travel and online subscriptions ▪️ Pay in euros anywhere Visa is accepted ▪️ 2% Bitcoin cashback on every purchase ▪️ 40% of your friends' fees via referral ▪️ Instant top-ups, full control in the Kolo mobile or Telegram app Already on USD? Add EUR and use both — one app, two currencies. This is just the start. ➡️ get.kolo.xyz

Can you imagine how long it takes to send money from Italy to Brazil? Every traditional service gives you the same answer: a few business days. You fill out a form, wait for confirmation, wait for processing, wait again. If you both have Kolo, that's not your problem. While a traditional transfer is still being "reviewed," your money is already in Brazil.

Your bank earns 3.70% per year on your money by lending it out to others. (SEC, Q1 2026) 😳 They pay you 0.61% APY on your savings account. They profit on your deposits. You get almost nothing back. With Kolo you load your card with USDT and get 2% back in BTC on every purchaseas a new user. Groceries, Uber, flights. Doesn't matter what you spend on. Maybe it's time to reconsider where you keep your money.

Your bank is earning 7-20% on your money. You're getting 0.45% back. They call it a savings account. You're basically giving them a loan for free. With Kolo you fund your card with USDT and get 2% back in BTC on every purchase. Groceries, Uber, flights. It doesn't matter. Your bank should be the one feeling bad about this deal.

A year ago, $150 million was spent with crypto cards in one month. Last month? Over $500 million. Same Visa terminals. Same grocery stores and Ubers. Just a lot more people who stopped converting to fiat first. Turns out spending crypto is just... spending.

Kolo Ambassador Program Open Beta is live. We’ve launched the beta of the Kolo Ambassador Program so our most active community members can promote Kolo and get paid for it. 💸 Reward Pool: $15,000 across all campaign waves. Payouts are distributed monthly, the leaderboard resets every cycle, and each month the top 25 contributors earn their share of the pool. How Rewards Work: You post ➝ you get scored ➝ you claim your share of the pool. Your % updates in real time on the leaderboard. Points are scored based on the platform: 🟢X - scored on reach and credibility. We use TwitterScore: up to 3x boost for quality accounts with a real history. 🟢Reddit - upvotes and comments, scored automatically 🟢Telegram - quality and relevance, manually reviewed 👑 The OG Multiplier If you were with us during the mini-app phase, your KOLO balance is already acting as a multiplier for every point you earn: 🥉 Bronze (1.0x): 0 – 1,999 KOLO 🥈 Silver (1.3x): 2,000 – 49,999 KOLO 🥇 Gold (1.7x): 50,000+ KOLO How to Start: 1. Go to ambassadors.kolo.xyz 2. Sign in with your X account. 3. Submit your post URLs to the dashboard. 4. Track your pool share % in real time. Welcome to the program. 🤝

what did you buy with crypto this week? 🍔 food ✈️ travel 🛍 clothes / shopping 💻 subscriptions / software we're building the next Merchant of the Week from your answers 👇

If you look at stablecoin flows, the lion's share of transfers today doesn't go through Ethereum. Traffic is confidently taken by Tron, BNB Chain, Base, and Arbitrum. The reason is simple: fees. Nobody wants to pay $2 for a transaction when they can pay a few cents. There's no crypto-ideology here, just pure math. When it comes to your own money, pragmatism always wins. Which network do you usually choose for transfers?

One regular day with Kolo: 🚕 Uber to work $8 → +$0.16 BTC 🥗 lunch $12 → +$0.24 BTC 🛒 shopping $100 → +$2 BTC 🍕 dinner delivery $18 → +$0.36 BTC total day: $138 spent → $2.76 in BTC back total year: $1000+ in BTC. from a normal Thursday.

Uber was the most popular way to spend crypto with Kolo this week. 🚕 What did you spend your USDT on today?

The crypto card market is hitting 4 billion by 2030. Sounds huge. What it really means is that in five years half your friends will be paying for groceries with stables. You still have time to get comfortable with it now.

The Kolo × GEME Partner Card is live! Geme Wallet is a Non-Custodial Wallet for Telegram & Web. Now, their users can open a Kolo card right in the app and spend crypto in the real world with zero hassle. ✅ Apple Pay / Google Pay ✅ Online, offline, and abroad 💰 5% BTC cashback (1st month) Get your card right now in Geme Wallet and pay for real-world goods with crypto easily.

A quick lifehack from Kolo: how to pay less at card terminals abroad. Always choose the local currency (EUR, TRY, etc.). You'll pay 4% less than if you just accept the USD charge.

Most people do not know how to spend their crypto. Endless search for “trusted” exchangers and P2P deals. With Kolo it looks different: • top up your card from your wallet • pay anywhere Visa is accepted • earn BTC cashback on what you spend One app. One card. All your crypto at work.

Fresh data: 39% of people get their money in stables. For them, it’s a third of their annual income. Freelancers, remote workers, international teams. It’s already normal when the salary comes in USDT or USDC. Because it’s faster, cheaper, without bank hassles. And then there is always one question: how to spend them without P2P and exchangers. We know how to make it easier.

Your balance doesn't just have to go down. Kolo helps your BTC grow while you live your life. You handle the bills, we handle the cashback. ➡️ Open your Kolo card for free!

Why carry around a stack of cash when one card does it all? Ditch the bulky wallet and the hunt for change. Kolo gives you the freedom to travel light keeping all your assets in one sleek place. Everything you need, none of the bulk.