TL;DR
- Krak‘s redesigned dwelling display screen consolidates card administration, stability visibility, Vaults, and Ship/Obtain right into a single view, eliminating the multi-screen navigation widespread in competing private finance apps.
- Krak’s Break up Invoice characteristic helps 600+ currencies, 160+ nations, and prices zero transaction charges, enabling customers to separate and settle bills in money or crypto throughout borders with a single faucet.
- Krak’s passive revenue trifecta combines 1% cashback on card spend, as much as 8% APY on Vaults, and a 1% Wage Match on direct deposits, making it a aggressive possibility for customers searching for on a regular basis returns on a spending and financial savings app.
Your day-to-day monetary life, entrance and middle
A cash app needs to be as easy to make use of as the duty you opened it to do. Examine your stability. Ship cash. See what’s incomes. Transfer on.
However someplace alongside the best way, cash apps acquired sophisticated. Actions you carry out each day (checking your card, glancing at a vault, sending a good friend what you owe them) ended up scattered throughout a number of screens, buried behind menus, and separated by pointless faucets.
We fastened that.
Every little thing you often verify, all on one display screen
The brand new Krak dwelling display screen places all of the belongings you attain for many in the identical place.
Your Krak card is now the visible anchor, entrance and middle the second you open the app, with card administration a faucet away. Each buy you make earns as much as 1% cashback, paid in money or crypto.
That dinner you simply paid for? Already incomes. The flight you booked? Incomes. The spherical you purchased that you simply’ll by no means receives a commission again for? No less than that’s incomes, too.
Beneath the cardboard, your stability and spendable quantity are proper there, alongside together with your APY, no drilling into sub-screens. You see precisely what you might have and what you need to use, immediately.
Your Vaults, the place your cash is quietly incomes as much as 8% APY, are surfaced straight beneath. No navigating away. No loading one other display screen. You’ll be able to see what’s rising when you’re checking what you’re spending. What’s going out and what’s compounding, at a look.
After which there’s Wage Match. Deposit your paycheck into Krak and earn an as much as 1% wage match, basically a bonus only for getting paid the place you already handle your cash. It’s the form of characteristic that sounds small till you do the mathematics over twelve months. Wage Match is accessible from the house display screen beneath rewards.
Ship and Obtain sit in a persistent bar on the backside. Your frequent contacts scroll throughout the center of the display screen; the good friend who at all times owes you for dinner is one faucet away. Your exercise feed and rewards spherical out the view, holding cashback totals, pending transactions, and incentives in plain sight.
Card. Cashback. Vaults. Wage Match. Contacts. Ship. Obtain. Rewards. One display screen. That’s the entire dashboard.
Why we rebuilt it
We checked out how individuals really use Krak. The identical sample got here up time and again: open the app, verify the cardboard, look at balances, perhaps ship cash, perhaps verify a vault. 4 issues, 4 totally different screens.
The info was clear; card administration, ship/obtain, and vault checks make up the overwhelming majority of every day periods. So we introduced all of it to the floor. The brand new dwelling display screen additionally retains the three engines of passive progress seen always: 1% cashback on spend, as much as 8% APY in Vaults, and 1% Wage Match on deposits. These aren’t buried in characteristic pages anymore.
This redesign additionally displays the place Krak is heading. As we broaden into the US and LATAM, we’re constructing round a card-first id, as a result of the cardboard is the place your monetary life really occurs.
Break up Invoice: settle up with anybody, wherever
Now, concerning the different factor.
the drill. Dinner hits, you seize the verify as a result of your card’s already out (and since, let’s be sincere, you need that 1% cashback). You then spend the subsequent 4 days sending “hey, you owe me $47” texts to individuals. Or worse, you simply soak up it.
Break up Invoice fixes this. Choose the individuals, set the quantities, ship the request. Finished.
Right here’s what makes it totally different from all the things else on the market:
- 600+ currencies: Money and crypto. Pay in {dollars}, break up in bitcoin, settle in euros. Nonetheless your group operates.
- 160+ nations: Your social circle isn’t confined to at least one ZIP code. A few of them are in London, some in Berlin, one’s “doing a factor in Bali.” Krak doesn’t care. It really works all over the place.
- Zero charges: No transaction charges. No hidden conversion markups. Each different splitting instrument takes a lower or buries the price within the change fee. Krak doesn’t.
- One faucet: Choose mates, break up, ship. Sooner than the argument about who had the additional cocktail.
Constructed for the best way you really spend
This isn’t nearly splitting dinner. It’s concerning the group journey the place half the crew books in EUR and the opposite half in USD (besides you, who books in BTC). It’s the shared Airbnb the place somebody at all times finally ends up fronting the deposit. It’s the birthday present fund within the group chat. The live performance tickets. The annual ski journey logistics that one way or the other require a spreadsheet.
Break up Invoice handles all of it throughout borders, with no charges when sending in the identical foreign money, so you possibly can cease being the unofficial treasurer of your good friend group.
The underside line
Krak makes it simpler so that you can handle your every day funds, with a transparent overview of the place cash sits and compounds. The redesigned dwelling display screen provides you immediate visibility into your full monetary image.
Break up Invoice provides you world flexibility no different app matches. And the core trifecta; 1% cashback, as much as 8% APY on Vaults, and 1% Wage Match means each greenback that flows by means of Krak is working for you.
No menus. No maze. Your cash, one faucet away.
Replace to the most recent model of Krak or obtain it now. The brand new dwelling display screen and Break up Invoice can be found all over the place.
See Assist Middle to verify your eligibility.
1% cashback till March 31, 2026, then fee will depend on common property held with Krak, Kraken and Kraken Professional. T&Cs apply. Please see this Assist Middle Article.
1% wage match till Might 1, 2026 (not assured), then fee will depend on common property held with Krak, Kraken, and Kraken Professional. Geo restrictions and T&Cs apply.
APY is variable and never assured; there’s a danger of loss. Onchain interactions contain technological, market, and operational dangers (see Phrases of Service). Kraken doesn’t management third-party protocols. Vaults are an unregulated product and are supplied by Payward Pockets, LLC. Charges apply. Geo restrictions apply.
Geo restrictions apply. Instantaneous purchase/promote charges apply if you convert one asset to a different earlier than making a switch. Please see our payment schedule for extra info.