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The Home of

Smart Money

We bring the 99% into a world designed for the 1%

AVAILABLE ON Google Play
AVAILABLE ON App Store

Manage. Move. Access More

European IBAN Account

A dedicated euro IBAN account designed for individuals, enabling payments, deposits, and crypto-to-fiat transfers quickly and seamlessly, offering full banking functionality from day one.

Crypto Wallet

A secure and intuitive wallet, natively built for stablecoins like USDC, designed to simplify digital asset management.

VISA Card

A debit card that allows you to spend your money easily and instantly, anywhere Visa is accepted.

Earning Plans

A portfolio of complementary, uncorrelated strategies, merging decentralized opportunities with institutional-grade management, aiming for superior overall performances.

Unlock your wealth potential

STEP 1

Explore investment strategies

From flexible, low-risk to higher-growth opportunities.

STEP 2

Select and invest in stablecoins.

Choose the strategy that fits your profile and seamlessly allocate stablecoins from your personal wallet.

STEP 3

Track and manage anytime

Monitor performance, exit when you want, and stay in control at all times — directly from your Kleos app.

Smart. Transparent
Always in your hands

AVAILABLE ON Google Play
AVAILABLE ON App Store

In traditional finance, institutional-grade strategies are typically reserved for high-net-worth individuals and large financial institutions. Empowered by technology, Kleos democratizes access, offering an ecosystem where users can seamlessly access, invest, and spend effortlessly in their everyday lives.

Earning plans

Smart yield

This plan gives you a DeFi return while keeping your liquidity accessible whenever you need it.

Premium

A mix of on-chain yield opportunities and strategies executed by professional crypto managers.

Platinum

An advanced, alpha-focused strategy combining high-end DeFi opportunities and elite crypto managers, designed for those aiming at the highest potential outcomes.

Kleos card

Kleos Base

For everyday payments and easy access to Kleos.

GET STARTED

Included Benefits:

Standard Visa payments with global access

Crypto + fiat in one card

Access to the Kleos App and basic portfolio tracking

No annual fee

Kleos Gold

For active users building their smart money journey.

GET STARTED

Included Benefits:

Full access to Earn accounts (yield products)

Crypto + fiat in one card, with Visa global access

Global eSIM package for travel

Travel & lifestyle offers (hotels, dining, mobility)

Flight delay refund coverage

Concierge support (chat-based)

Kleos Black

For frequent travelers, active investors, and premium lifestyle seekers.

INVITATION ONLY

Included Benefits:

Full access to Earn accounts (yield products)

Crypto + fiat in one card, with Visa global access

Priority access to Kleos investment strategies

Unlimited airport lounge access (Priority Pass / LoungeKey)

Comprehensive travel insurance (delay, cancellation, medical)

24/7 concierge service (phone, email, WhatsApp)

Exclusive hotel and lifestyle upgrades

Bonus yield (+0.5% APY on Earn accounts)

We're a new way to experience finance:

Fast, Digital, Borderless

1

Download the Kleos app

Get started in seconds in iOS or Android.

2

Register and verify identity

Create your account quickly and complete a simple identity check.

3

Add funds

Top up with crypto or bank transfer.

4

Select the earning plan

Choose strategy that fits your goals.

5

Spend anywhere

Use your Kleos Visa card for everyday payments.

Instant Global access

Crypto & Fiat In One Place

Smart Yield Integration

What is Kleos and how does it work ?

Kleos is The Home of Smart Money: a next generation fintech app that brings together digital assets and traditional payments in one seamless experience. With Kleos you can:

  • Open a Euro IBAN account for easy transfers and payments.
  • Use a secure wallet to manage your digital assets, starting with stablecoins like USDC.
  • Explore diversified yield opportunities through our automated yield engine.
  • Pay worldwide with your Kleos Visa card.

All in one app – simple, fast, and built in line with EU standards, working exclusively with fully regulated partners.

How do I register and verify my identity?

Getting started takes just a few minutes:

  1. Download the Kleos app (iOS or Android).
  2. Sign up with your personal details.
  3. Complete a quick identity check (KYC) by providing:
    • A valid government-issued ID
    • A selfie for verification
    • Proof of address (e.g., utility bill or bank statement)

Identity verification is required by regulation to enable deposits, transfers, earnings, and card services.

How can I deposit and withdraw funds?

Deposits:

  • SEPA bank transfer (EU): usually instant
  • International bank transfer: 1–3 business days
  • Crypto transfer: instant

Transfers & Payments:

  • Send money anytime via SEPA or international transfer, to your own account or to third parties
  • Move your earnings directly to your bank account or crypto wallet
  • Make instant crypto transfers from your Kleos wallet

What products and yield accounts do you offer?

Kleos makes advanced yield opportunities more accessible, with options designed to match different risk and return profiles. You can choose between:

  • Smart Yield – liquid strategies focused on Real World Assets (RWAs) and yield optimization.
  • Premium – diversified allocations with a balance of market-neutral and managed strategies.
  • Platinum – higher-risk strategies with the potential for enhanced returns.

All portfolios are managed by our automated yield engine, which combines approaches such as arbitrage, long/short, algorithmic trading, income strategies, and asset-backed products.

How is my money protected?

Your security is our top priority. Kleos takes strong measures to safeguard your funds:

  • Bank-grade protection with end-to-end encryption and secure data storage.
  • Continuous monitoring with advanced automation and human oversight.
  • Compliance with GDPR and EU financial standards.
  • Trusted payment rails through Visa’s global network.
  • Custody and banking services provided by fully regulated partners.

Are there any fees for using Kleos?

Kleos keeps it simple and transparent — no hidden charges.
You can always view the full pricing schedule directly in the app or on our website.

Join the Waiting List

Sign up now to get early access to the Kleos app.

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KLEOS

ITALIAN Launch PARTY

We are pleased to invite you to an exclusive Kleos Dinner Party during ETH Milan 2026.

An evening of fine dining, cocktails, and curated connections with founders and partners in fintech and crypto.

The PLEIN HOTEL · MILAN
21 MAY 2026 Via Daniele Manin, 19
20121 Milano MI
8:00 PM — 12:00 AM
Reserve Your Spot →
Limited seats · Registration subject to approval