Krak is the fast, simple, and secure way to send and receive money instantly – all from a lightweight, on-the-go app designed for effortless peer-to-peer payments.

Built for speed and trust, Krak makes moving money between friends, family, or anyone else as easy as a tap. Whether you’re splitting a bill, paying for services, or just sending cash, Krak helps you do it securely, anytime, anywhere.

GLOBAL P2P PAYMENTS WITH REWARDS
• Send money instantly to 160+ countries using just a @Kraktag username
• Earn up to 3.6% rewards on USDG balance
• Zero transfer fees with transparent, upfront conversion rates

INSTANT & TRANSPARENT TRANSFERS
• Your money arrives in seconds, not days
• See exactly what you're sending and receiving with zero hidden fees
• When converting between currencies, all spreads are shown upfront before you confirm
• No lockups on balances - access your money whenever you need it
• Manage international finances without juggling multiple apps

MULTI-CURRENCY BY DEFAULT
• Hold, convert, and send 600+ fiat currencies, stablecoins, and crypto assets
• Live in USD, get paid in EUR, send in GBP - Krak handles it seamlessly
• Real-time asset swapping with all costs shown before you confirm

PAYMENTS THAT FEEL LIKE A CHAT
• Pay friends like you send a DM with your unique @Kraktag username
• Share animated paylinks with memes & emojis - feels like texting, not banking
• Chat-like flows make complex financial tasks simple
• Request money or send payment reminders easily

BUILT FOR YOU, POWERED BY KRAKEN
Built by the team behind Kraken, one of the world's most trusted crypto exchanges. Your funds are protected with institution-grade security, multi-factor authentication, and industry-leading safety protocols.

GET PAID TO PAY
• Earn $10 in USD for every friend that opens and funds an account. You can do it up to 100x, stacking $1000 USD in rewards
• Get a surprise crypto reward (we call them KrakBacks!) after your first successful payment each day*
• Terms and conditions apply: krak.app/krakbacks-terms

Krak is an affiliated brand of Kraken.

Geo restrictions apply. Instant buy/sell fees apply when you convert one asset to another before making a transfer. Please see our fee schedule for more information: www.kraken.com/features/fee-schedule.

Geographic restrictions apply. Reward rates determined and paid by Kraken at its sole discretion, subject to change. See our Terms of Service for more info: https://www.kraken.com/legal.

APY is variable and not guaranteed; there is a risk of loss. Onchain interactions involve technological, market, and operational risks (see Terms of Service: https://www.kraken.com/legal). Kraken does not control third-party protocols. Vaults are an unregulated product and are provided by Payward Wallet, LLC. Fees apply. Geo restrictions apply.

Not investment advice. Crypto trading involves risk of loss and is offered to US customers through Payward Interactive, Inc. View legal disclosures at kraken.com/legal/disclosures.

Terms of Service: www.kraken.com/legal