Krypton Pay
Cross-border payments at 0.3–0.5% — no USD intermediary
Agentic financial stackfor a real-time, borderless world
Krypton's Core
One balance.Always Working.
Tokenization dissolves the line between cash and investment. Your capital is liquid and earning — simultaneously. Pay globally, earn on idle funds, and let an agent run the whole thing.
Krypton Yield Engine
Idle capital auto-allocated to T-Bills, RWA, and DeFi vaults
Clark AI Agent
Natural language orchestration of your entire financial stack
Products
Three Products.One Composable Stack.
Pull out any layer and the experience breaks. That's not a product — that's a composable stack where each component amplifies the other.
Krypton Pay
The dollar tax.Eliminated.
Multi-currency netting pools hold reserve-backed liquidity in native currency pairs. INR to AED settles directly — no USDC intermediary, no redundant conversions, no spread bleeding on both sides. Liquidity you don't need before the next cycle routes itself to the Yield Engine.
INR to AED: Legacy vs Krypton
Today — 4 hops, 3 counterparties, 3–5 days, 3–5% all-in
INRFX Spread (1–2%)
USDOn-Ramp fees (0.5-1%)
USDCOff-Ramp fees (0.5-1%)- USDFX Spread (1–2%)
AEDReceived
With Krypton — 1 hop, <60 seconds, 0.3–0.5% all-in
INR
Krypton Netting Pool
AED
Direct pair netting - no USD hop
INR, AED, EUR, GBP, USD pairs settle directly through liquidity pools. 1 hop and not 4. No USDC intermediary bleeding spread on both sides.
Idle liquidity to the Yield Engine
Capital in netting pools not needed until next payment cycle automatically routes to the allocated vault and nothing sits idle earning zero.
AI-triggered payrolls & invoices
Clark automates recurring cross-border payments. "Run payroll for the full team" — 12 people, 4 currencies, settled in under 60 minutes.
Local rails out + on-chain settle
On-chain netting with local rail payouts. Recipients receive in their local currency without needing crypto wallets or DeFi knowledge.
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0.3 - 0.5 % fees
Typical bank fees: 3–5%. Our target: 0.3–0.5% all-in.
< 60 minutes
Typical bank settlement: 2-5 days. Our settlement time: <60 minutes.
24/7 always on
Availability of banks: 9AM-5PM. Our availability: 24/7/365 always on.
How it works
Simple for you.Powerful underneath
One stack that moves money globally, allocates to yield, and automates every financial decision — while you focus on building your company.
01Fund your balance
Add money in your home currency. Krypton holds multi-currency balances across INR, USD, AED, EUR, GBP and more — unified in one programmable account.
02Idle capital earns
Clark automatically identifies idle treasury and routes it to the right vault based on your risk profile and payroll schedule. Capital never sleeps.
03Pay globally, instantly
Send to any currency in any country. Netting pools settle directly — no USD hop, no 3-day wait, no 3–5% bleed. One hop, one fee, done in 60 seconds.
04Ask Clark anything
"Run payroll," "Rebalance my portfolio," "How much did I save on FX last month?" Clark orchestrates Pay, Yield, Tax, and Strategy in natural language.
Usecases
Built forglobal-first teams.
Whether you're a founder paying a remote team, an enterprise running global treasury, or an AI developer building agentic workflows — Krypton is your financial stack.
Pay global teams without the FX tax
01.
Payroll Friday
"Run payroll for my full team — same as last month."
INR • AED • EUR • GBP settled in <60s. Direct pairs. No USDC hop
- Legacy FX cost
- $1,980 Legacy FX cost
- With Krypton (0.5%)
- $230 With Krypton (0.5%)
02.
Idle Treasury Activated
"$140K idle 18 days before next payroll. Routing to Conservative Vault — projected yield +$527. Confirm?"
T-Bills + Gold vault. Earns ~4.5% APY. Liquid on demand.
- earned over 18 days · Conservative Vault · 4.5% APY
- +$310 yield earned over 18 days · Conservative Vault · 4.5% APY
03.
Unplanned Invoice
"Pay €2,400 to @alex for the brand sprint."
Yield position partially unwound. GBP settled instantly. No bank needed, no SWIFT wire, no waiting for business hours.
- · Remaining $125K still earning in vault
- Settled in 52 seconds · Remaining $125K still earning in vault
04.
Month-End Summary
"Here's your month: payroll executed, $1,750 FX saved, $310 yield earned, 0 banking ops."
Full stack ran silently. Arjun spent 0 hours on finance operations this month.
- Monthly net benefit
- +$2,060 Monthly net benefit
- Finance ops time
- 0 hours Finance ops time
Arjun runs a team of 12 across Bangalore, Dubai, Berlin, and London. With Krypton, $46K monthly payroll costs $230 instead of $1,980 — and $140K idle treasury earns 4.5% APY between cycles.
- Multi-currency payroll settled in <60 seconds.
0.3–0.5% all-in cost vs 3–5% legacy banking.
Idle treasury auto-earning 4–5% APY.
Zero finance ops hours — Clark handles it all.
Give your AI agents financial superpowers
claude_desktop_config.jsonjson
1{2 "mcpServers": {3 "clark": {4 "type": "http",5 "url": "https://clark.kryptonfund.com/mcp",6 "headers": {7 "X-Username": "krypton",8 "X-User-Id": "7895abe0-d992-488a-a848-e6b5bd0e300f"9 }10 }11 }12}No financial primitive exists for machine-native value flows. Clark's streamable MCP runtime lets any external AI agent pay, invest, and settle autonomously.
Agent-native payments via MCP protocol.
$0.02/invocation — usage-based pricing.- Earn per call, % AUM, or % yield generated.
Full compliance and jurisdiction management.
Get paid globally, invest automatically
Receive salary or freelance income in any currency. Automatically invest surplus in institutional-grade yield strategies. Send money home without the remittance tax.
- Receive in 10+ currencies without FX friction.
- Automated yield on every dollar waiting to move.
Send home at 0.3–0.5% vs 3–5% bank rates.
Tax-aware reporting across jurisdictions.
Build on tokenized financial primitives
Krypton's ERC-20 strategy vaults plug natively into DeFi protocols as collateral, yield sources, and LP positions — a distribution surface no TradFi fund can reach.
ERC-20 vaults with verifiable on-chain track record.
Permissionless composability across DeFi protocols.
Developer SDK + streamable MCP runtime.- Deploy custom agents on Clark's marketplace.
Krypton vs Others
Every competitor ownsone layer.
Wise and Revolut own payments but have no on-chain yield. Morpho and Ondo own DeFi yield but have no payment rails. x402 proves agentic payments are real, but stops at the payment itself. Nobody composes all three. Krypton does.
Full Capability
Partial/Limited
Not Present| Platform | Cross-Border Pay | Netting | Tokenized Yield | RWA/T-Bills | Agentic AI | DeFi Native |
|---|---|---|---|---|---|---|
| Wise |  | | | | | |
| Revolut | | | | | | |
| Transak | | | | | | |
| Morpho | | | | | | |
| Ondo | | | | | | |
| Goldfinch | | | | | | |
| x402 | | | | | | |
| Krypton |  | | | | | |
Developer's Platform
Build your financialstack on Krypton's APIs
Programmable payments, yield allocation, and AI agent orchestration — all through a single, unified API. Ship international financial products in days, not quarters.
Go live in minutes
Full sandbox environment. Test live FX rates, mock payrolls, and vault allocations before going live with one API key swap.
Compliance built in
KYC, AML, and jurisdictional constraints handled automatically. UAE ADGM and FIU-IND compliant from the launch day.
Clark MCP runtime
Connect any external AI agent to Pay, Yield, Tax, and Strategy via streamable MCP — tool discovery built in, metered at $0.02 a call.
