Two doors in: full account vs crypto-only

Not everyone needs the whole bank. Some people just want a wallet that doesn't suck. Here's how the two paths differ, and why one of them only needs an email.

Door one: the crypto-only wallet

Want to hold stablecoins, send them to friends, get paid in USDC by a client abroad? That's it? Great. You need two things:

• An email address. The one you actually check, not the one from 2014 with the questionable username.
• A Kaitag. Your handle. @yourname instead of a 42-character wallet address that looks like a cat walked across the keyboard. People send to your tag; you never touch the long string.

No ID upload, no selfie, no waiting. You're in within a minute. Your assets sit in a wallet held by a regulated custody setup, and your Kaitag works with any other Kairo user on the planet.

Door two: the full account

Want a local bank account number in your name, a card, cash in and out, and international bank payouts? That's real-world money, and real-world money comes with real-world rules. You'll add:

• A government ID and a quick selfie (automated, usually under two minutes).
• Whatever your country's regulator asks for, explained field by field. We never ask for something without saying why.

Once you're verified you get everything from door one plus the boring, essential stuff: fiat accounts, cards, transfers to any bank.

Can I start with one and upgrade?

Yes. Start crypto-only today, add the ID bits when you want a card or a bank payout. Your Kaitag, history and balances come with you. No new account, no starting over.

TL;DR Just want crypto? Email + Kaitag, done. Want the whole bank? Add an ID. Upgrade whenever; nothing resets.