Africa's Resource-Backed Digital Currency
One currency backed by gold, platinum, diamonds & lithium. 19 platforms. 7 countries. Zero boundaries.
Powering the Kavod ecosystem
Backed by Africa's Resources
Every KAD is backed by a diversified basket of 8 African natural resources. Quarterly audited. Proof-of-reserve on-chain.
Gold
$2,950/oz · 🇿🇦 🇬🇭
Platinum
$1,042/oz · 🇿🇦
Copper
$9,000/t · 🇿🇲 🇨🇩
100% backed. Quarterly audited. Proof-of-reserve on-chain.
View Live ReservesOne Currency. Every Financial Need.
From everyday payments to insurance and savings groups, KAD powers a complete financial ecosystem.
Payments
Send, receive, and accept payments in KAD across 19 platforms. 8 gateways. 14 currencies.
BNPL
Buy now, pay later. AI-powered credit scoring from your platform activity. Pay-in-4 or Flex 3/6/12.
Gold Savings
Save in gold, platinum, or lithium. Round-up spare change. Beat inflation.
Stokvel
Digital group savings. Rotating, fixed, or goal-based. Built for African communities.
Working Capital
Revenue-based advances. Repay as you earn. No fixed schedule.
Rewards
Earn KAD Points on every transaction. 4 tiers. Redeem across 19 platforms.
Get Started in 60 Seconds
Sign Up in 60 Seconds
KYC-lite onboarding. Phone number + selfie. No paperwork.
Fund Your Wallet
Card, bank transfer, M-Pesa, MTN MoMo, or crypto. Your choice.
Start Transacting
Pay, save, borrow, earn. Across all 19 Kavod platforms.
One Currency. Every Vertical.
KAD works across the entire Kavod ecosystem. Every platform, every use case.
Buslyft
Rider payments, driver earnings, fuel wallet
RunnerStack
Merchant settlements, buyer protection, BNPL
FarmX
Harvest financing, crop insurance, input purchases
Claire Belle
Booking payments, stylist payouts
GrandEstate
Property deposits, rental payments
Smart Fixxr
Repair escrow, parts procurement
BantuStream
Creator royalties, tipping, subscriptions
Tradesmen
Invoice factoring, trade finance, supply chain
Sportsplex
Ticket sales, athlete payouts, merchandise
LearnStack
Tuition payments, scholarship disbursements
Build with RAPI
Resource Asset Payments Interface — embed KAD payments, BNPL, and wallet services in your app with a few lines of code.
1curl -X POST https://api.karatdollar.com/rapi/v2/payments/initiate \2 -H "Authorization: Bearer sk_live_..." \3 -H "Content-Type: application/json" \4 --data-raw '{5 "amount": 250.00,6 "currency": "KAD",7 "recipient": "wallet_7xKj9mNpQ2",8 "reference": "INV-2026-001",9 "metadata": {10 "platform": "RunnerStack",11 "order_id": "ORD-8829"12 }13 }'
Built for Trust
Enterprise-grade security and regulatory compliance across every market we operate in.
Ready to join the resource-backed economy?
No credit card required. KYC in under 60 seconds.