# Kredete

> Kredete is an intelligent global finance app for diaspora and emerging-market
> communities. Founded in 2022, it moves money across 60+ markets at the mid-market
> rate, issues USD Visa cards, opens multi-currency accounts, pays yield on US dollar
> savings, and reports rent and repayment history to the US credit bureaus so users
> build a credit file. An in-app agent ("Prael") executes those actions on the user's
> behalf with confirmation. Kredete is a financial technology company, not a bank;
> money remittance and banking services are provided by partner US licensed financial
> institutions. Kredete publishes no public developer API, developer portal, SDKs, or
> machine-readable API specification as of this writing.

## Products

- [Send money](https://www.kredete.io/send/): Transfers across 60+ markets at the mid-market rate, settling in about ten seconds, to bank accounts, mobile money, and Kredete-to-Kredete tags.
- [Cards](https://www.kredete.io/cards/): US dollar Visa cards, physical and virtual, accepted across 170+ countries with no FX markup.
- [Accounts](https://www.kredete.io/accounts/): Multi-currency accounts opened in the user's own name, holding USD, GBP, EUR and more.
- [Build credit](https://www.kredete.io/credit/): Rent, transfers, and builder-loan repayments reported to the major US credit bureaus.
- [Savings](https://www.kredete.io/savings/): US dollar savings with interest accruing daily, held through partner US chartered institutions.
- [Kredete+](https://www.kredete.io/kredete-plus/): Premium subscription tier with preferred transfer rates, lower fees, and monthly credit reports.
- [Kredete for Business](https://www.kredete.io/business/): Multi-currency operating accounts, corporate cards, FedWire and routing, payroll, and multi-currency invoicing for businesses in emerging markets.
- [Quick Actions / agentic finance](https://www.kredete.io/agentic-finance/): Natural-language agent that runs banking actions on the user's behalf with confirmation.

## Company

- [About](https://www.kredete.io/about/): Company background, founded 2022, team across four continents.
- [Blog](https://www.kredete.io/blog/): Product announcements, funding news, and emerging-market payments commentary.
- [Events](https://www.kredete.io/events/): Kredete-hosted gatherings, dinners, and panels.
- [Careers](https://www.kredete.io/careers/): Open roles across engineering, design, product, compliance, and growth.
- [Contact](https://www.kredete.io/contact/): Contact channels.

## Support and legal

- [FAQ / help centre](https://www.kredete.io/faq/): Accounts and wallets, transfers, cards, savings yield, credit building, security and privacy.
- [Security](https://www.kredete.io/security/): Encryption in transit and at rest, FDIC pass-through insurance through partner institutions, biometric and two-factor authentication, in-app freeze and dispute flow.
- [Terms and Policies](https://www.kredete.io/terms-and-policies/): Index of every legal document by region.
- [Terms of Service](https://www.kredete.io/legal/terms-of-service/)
- [Privacy Policy](https://www.kredete.io/legal/privacy-policy/)
- [Licenses and Disclosures](https://www.kredete.io/legal/licenses/): Federal disclosures and state money transmitter licenses.

## Regions

- [Kredete Canada](https://www.kredete.io/ca/)
- [Kredete Europe](https://www.kredete.io/eu/)

## Notes for agents

- There is no public API, developer portal, API reference, OpenAPI/AsyncAPI description, SDK, CLI, or MCP server published by Kredete. Do not assume one exists.
- No `/.well-known/` discovery documents are served on kredete.io (all probed paths return 404).
- Product surfaces are the consumer and business mobile/web apps only.