Make sending money feel like sending a message.
No seed phrases. No gas fees. No hex addresses. Sign in with your email, claim your @handle, and send dollar balances to anyone by name. Sponsored account abstraction underneath, and group savings built in.
- 0 wei
- held by your account, ever
- One tap
- approval travels with the payment
- 192/192
- contract tests passing
How it works
Three steps, and you have sent someone money.
There is no onboarding to sit through, no document to upload, and nothing to fund before you can use it. Opening the page and paying somebody is about a minute, and most of that is picking a name you like.
- 01
Sign in with your email
No app to install, no password to invent, and nothing to write down and keep somewhere safe. A link arrives, you tap it, and your account exists.
About twenty seconds
- 02
Pick your @handle
The name people will pay you by, instead of an account number. You can see as you type whether it is still free, and once it is yours nobody else can take it.
The only thing you have to choose
- 03
Send someone money
Type their name, type an amount, add a note if you want them to remember what it was for. One tap, no confirmation screen, no fee. It is with them in seconds.
And that is the whole thing
Then put it on your home screen
Kolo runs in the browser, so there is nothing in an app store to wait for. Add it to your home screen and it opens full-screen like anything else on your phone.
Coffee and brunch · @chidi
Sent by handle, one tap
$18.50
No fee · seconds
Payments as natural as chatting with friends.
Split the coffee, cover dinner, send money home. No waiting on a bank, and nothing to copy and paste. Kolo fits into the way you already talk to people.
Splitting a bill without the awkwardness
A handle or a link settles it before the bill has left the table.
Share the link anywhere
Send money to somebody with no account at all. They open the link, see the amount, and take it — WhatsApp, a message, however you already talk.
Dollars and naira, side by side
Your balance is held in dollars and shown in either. The rate is fixed and printed on the screen, so the figure you see is the figure that moves.
What Kolo actually runs on
The Kolo principle
The user never learns there is an infrastructure underneath.
Most crypto apps ask for gas calculations, approval pop-ups, a 24-word backup and a standing low-level anxiety. Kolo holds itself to the opposite discipline: one tap, no confirmation dialogs, names instead of addresses, and failures phrased like a bank that means well.
The old way
- ✕Raw 42-character addresses to copy, paste and pray over
- ✕A balance of some other coin before you can move the coin you have
- ✕Two dialogs — “approve”, then “confirm” — for one payment
- ✕Revert strings as error messages, which stop a normal person dead
0x71C7656EC7ab88b098defB751B7401B5f6d8976F
The Kolo standard
- ✓Human names only: an @handle, resolved on chain
- ✓Never any gas: every operation sponsored by a paymaster
- ✓One tap, batched: the approval travels with the payment
- ✓Copy that reassures about money first: “Your money hasn’t moved”
@amara
Rotating savings, with the trust problem solved.
Ajo, esusu, susu, chama — people have pooled money this way for generations, and it has always needed somebody trustworthy to hold it. Kolo takes that part out. Deposits are sized by position, so the person collecting has always put in at least as much as they are holding, and a round closes whether or not anybody is watching.
0
members ever removed for falling behind
0%
taken in fees, by us or anybody else
Five things to do with it, and one way to read it
Built for paying people you know, coordinating with people you trust, and the way money has been saved in groups long before any of this.
Send by @handle
Pay anyone instantly by name. One routed event carries both handles, the amount and your note — so your feed can tell you who paid whom, not just that something moved.
Claim links
Park money behind a secret that never leaves your phone, and send the link anywhere. Whoever opens it sees the amount and collects it. Take it back whenever you like, and it returns on its own after seven days.
Circles (ajo / esusu)
Everyone contributes each round and one member takes the whole pot, turn by turn. Deposits scale with position, so nobody ever holds more than they have put in — and nobody is thrown out for a missed round.
Goals
Set money aside from the balance you spend from, toward something you are saving for. Withdraw any amount at any time, before or after you reach it, with nothing deducted.
Pots
A few people fund one thing — a subscription, a generator, a shared rental — and each pays only for what they used. Whatever you have not used stays yours to withdraw, even after the pot closes.
Dollars and naira
The chain holds six-decimal Agora AUSD; you read it in dollars or naira with one tap, at a fixed rate of ₦1,615 to the dollar. Naira rounds down, so the figure on screen is never more than you can actually spend.
Architecture
Seven contracts. 192 tests. Nothing held by us.
- No admin key
- Nothing holding your money has an owner.
- No server of ours
- Your browser talks to the contracts directly.
- No fee, ever
- Someone else pays for every operation.
- No lock-in
- It all keeps working whether we are here or not.
All of it is public.
Every line, and every contract it runs on. Nothing about how your money moves is hidden from you.
See the codeClaim your @handle before it's taken.
Type a name and we'll check the registry right here. Add Kolo to your home screen and it behaves like any other app on your phone.
Letters, numbers and underscores. Your email is all it takes to sign in.