KAI
AI because of the outcomes, not because AI is cool
Kai is Kairo’s conversational layer, in the app and on WhatsApp and Instagram, in English, Pidgin, Yoruba, Hausa, Igbo and more.
See Kai in action


Ask. Kai explains.
Money can be complicated. Your questions don't have to be. Ask Kai and get a clear answer, in plain language and your chosen language.
Money, meet conversation.
Ask. Know. Do. See how Kai turns a simple conversation into action.
Questions, answered
Everything you need to know about Kairo Finance
- Kairo is a modern financial platform that helps you hold, move and spend money across currencies and borders, all from one seamless experience.
- You can hold and convert between supported fiat currencies and stablecoins, including Naira, US Dollars, Pounds and Euros, with more added over time.
- Yes. You can receive money into your Kairo accounts from supported countries and convert it into the currency you need.
- Yes. You can send money across borders from your Kairo balances, with the rate and any fees shown before you confirm.
- Yes. You can hold supported stablecoins alongside your fiat balances and move between them whenever you need to.
- Your balances are held with Kairo's regulated and licensed partners, who provide custody and payment services where required.
- You can freeze your card instantly in the app and contact support. We will investigate any transactions you did not authorise.


