Kleos is a fintech app that unifies digital assets and traditional payments, offering a Euro virtual IBAN, self-custody wallet, Visa card, and automated yield strategies. Users can earn through curated on-chain portfolios, spend via Visa, and manage SEPA transfers—all in one EU-compliant platform. The app prioritizes transparency and self-custody, with yield options ranging from liquid RWA strategies to higher-risk allocations.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers face fragmented financial tools that separate digital assets from traditional banking, forcing them to juggle multiple apps for spending, saving, and earning. This fragmentation creates friction, limits yield opportunities, and undermines user control over funds.
Solution
Kleos provides an all-in-one fintech app that merges digital assets with traditional payments, enabling users to manage euros, stablecoins, and yield strategies in a single interface. The platform includes a Euro virtual IBAN for SEPA transfers, a self-custody wallet for digital assets, and a Visa card for spending. Kleos automates yield generation through an engine that allocates funds across strategies like arbitrage, long/short, and asset-backed products, with risk-tiered portfolios. All services operate under EU standards with regulated partners, ensuring compliance and security while maintaining full on-chain transparency for users.
Target Audience
Primary users are EU/EEA residents seeking a unified platform to manage digital assets, earn yield, and spend fiat, including both retail consumers and crypto-savvy individuals looking for regulated, transparent financial services.
Features
- Euro virtual IBAN for instant SEPA deposits and transfers to any European account
- Self-custody wallet with full on-chain transparency, giving users complete control over private keys
- Automated yield engine offering three risk tiers: Smart Yield (RWA-focused), Premium (balanced), and Platinum (higher-risk)
- Physical and virtual Visa cards for spending from yield earnings, not principal, accepted globally
- Instant crypto transfers and SEPA payments, with KYC verification for regulatory compliance