About us

Building an
account for money that crosses borders

We build for people and businesses whose money moves between currencies, countries and payment rails.

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The Kairo Business home screen: treasury balance, recent payments and pending approvals

Founded

2026

Our mission

To make holding, moving and spending money across borders a single account rather than a workaround.

Why we started Kairo

When we started Kairo, it was about more than payments. Getting paid in one currency and living in another is ordinary now, the accounts most people are handed were never built for it.

We kept seeing the same three things. Money sat still for days with no explanation. It arrived short of what was sent. And the people it mattered most to freelancers, families sending money home, small businesses paying suppliers abroad were the ones carrying the cost.

So we built one account that holds fiat and stablecoin balances side by side, moves money between them, spends from either, and tells you exactly where a payment is at every step. No glossary, no workaround, no waiting without an answer.

That is the whole job. We are still early, and we intend to keep going one corridor at a time.

Dr. Wahab Disu

Co-founder & CEO

We are Kairo, and the point is to make a border stop mattering to your money.

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Our core values

Say what it costs
You see the amount, the conversion and the status before you commit to anything.
Verify, then move
Convenience never lowers the bar on how a transaction gets approved.
Plain language, always
If a feature needs a glossary to understand, it isn't finished.
Meet people where they are
Kai works in the apps people already use, not only in ours.
We own up when we're wrong
When money is involved, the honest answer beats the comfortable one.
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Regulated, verified, accountable

Kairo is a financial technology company. Banking services are provided by licensed partners, and customers are held to KYC and KYB verification.

Kairo asking for a passcode to authorise a payment
  • Licensed partners

    Banking services come from regulated partners.

  • You approve every payment

    Nothing moves without your passcode or biometrics.

  • Watched around the clock

    Unusual activity is flagged before it’s a problem.

Your account is protected.

Multiple layers of security, built into Kairo.

  • KYC Verified
  • 2FA
  • Biometrics
  • Device Binding
  • Transaction PIN
  • AML Monitoring