Simple money & payment management solutions
More revenue, more innovation, more happy customers.
Our platform is designed to help tech companies scale.
OUR SERVICES
of your money
Payments & Money Movements
At KO18, we’re redefining the way individuals and businesses manage their money.
Our mission is simple: to make financial services faster, fairer, and more accessible – for everyone, everywhere.
Borderless Innovation – We build tools that break financial boundaries.
Trust & Transparency – No hidden fees. Just clear, secure banking.
Customer Empowerment – We give you full control over your financial future.
To become the world’s most trusted financial bridge — connecting people and businesses across continents through intuitive technology that makes money movement as simple as sending a message.
We exist to make money effortless. From cross-border transfers to smart budgeting, KO18 empowers people to save, spend, and grow with confidence.
Minimise international transfer fees and delays
Convert, hold, and spend in 50+ currencies instantly — with interbank rates and full transparency, all in one smart wallet.
Without Borders.
Enjoy lower fees, multi-currency accounts, and global debit card flexibility.
KO18 simplifies international money management for expats, travelers, and digital nomads — so you can spend, send, and save across borders with ease.
Use your KO18 debit card in over 200 countries with low fees, smart currency optimization, and real-time spending alerts.
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Track your spending, send payments, and manage accounts on the go.
Fully Protected.
Always.
All transactions are protected with military-grade encryption protocols to ensure complete privacy and data integrity.
Secure access with fingerprint, face recognition, and 2FA – only you can control your account.
Our systems continuously monitor activity across the platform to detect and block suspicious behavior in real-time.
KO18 operates under full regulatory compliance in all supported countries, including strict AML and data protection standards.
- Instant Global Account Setup: Provide local IBANs in major markets within 24 hours, enabling immediate local banking presence without physical establishment
- Automated Receivables Management: AI-powered invoice generation, payment tracking, and automatic currency hedging for international sales
- Supply Chain Finance: Trade finance solutions including letters of credit, supplier financing, and inventory-backed lending for import/export businesses
- Multi-Entity Consolidation: Group treasury management for businesses operating across multiple jurisdictions with real-time cash positioning
- Dynamic FX Risk Management: Automated hedging protocols, forward contract management, and real-time exposure monitoring
- Compliance Automation: Automated regulatory reporting, sanctions screening, and audit trail generation across all jurisdictions
- E-commerce Platforms: Marketplace settlement, seller financing, and chargeback protection for online merchants
- Professional Services: Project-based invoicing, client escrow services, and international contractor payment solutions
- Technology Companies: Global payroll solutions, equity compensation management, and international expansion banking
- Partner with traditional banks to enhance their digital offerings
- Integrate with fintech ecosystems to provide comprehensive solutions
- Drive industry standards for transparency and user experience
- Contribute to financial inclusion on a global scale
Business & Enterprise Solutions
for Businesses