Kinesis Virtual Card Alpha Testing and Card Development Now Complete

We are proud to announce that Kinesis has successfully completed internal Alpha testing for the Kinesis Virtual Card, marking the completion of development on Kinesis’ in-house card solution. With Alpha testing concluded, we’re now preparing for our Beta release on February 9th, 2026 in the United States.

The Kinesis Virtual Card will enable users across the United States to make purchases with gold (KAU), silver (KAG), digital assets and Currency One USD (C1USD), with no subscription fees. The card will offer the only cashback program in the world that earns gold, with 2% cashback*– paid in the precious metal.

Kinesis cardholders can experience greater value than ever before, with 0% transaction fees – and only a low 0.22% exchange conversion fee – on real-world purchases with gold, silver and digital assets. To encourage mainstream adoption of the product, there are 0% exchange conversion or transaction fees on purchases with C1USD within the United States** . 

Upon the Q1 public launch, the Kinesis Card programme offers a promotional offer of:

• 2% cashback in gold (KAU)*
• 1% Kinesis contribution to the master fee pool – at no cost to the user
• No subscription fees

Card features:

• Low 0.22% conversion fee on gold and crypto spending
• No transaction fees**
• Make purchases with gold, crypto & C1USD
• $10,000 daily spend limit, $20,000 monthly max
• Custom spending limits accessible for VIP clients, long-term users, and clients with substantial balances on a case-by-case basis.
• Spend C1USD with 0% conversion fees in the US**
• Google Pay will be enabled during the beta window, closely followed by Apple Pay

* Cashback is only available up to a maximum $2,000 spent per month – a maximum total earning of $480 per year. All cashback will be paid monthly. See Cashback T&Cs.

** FX fees apply on transactions outside of the US and Puerto Rico.

Every time a user makes a cashback purchase, Kinesis will contribute an additional 1% of the transaction value to the Kinesis Master Fee Pool – at no cost to you whatsoever.

The 1% contribution is funded entirely by Kinesis to promote system velocity and growth. It is not drawn from users’ card transactions, does not impact users’ earnings, and is neither classified as a fee nor subject to any charges or deductions.

In this way, the benefits of the card program extend beyond the individual. The purchases contribute to higher velocity across the Kinesis Monetary System, with the 1% contribution† to the master fee pool boosting the accumulation of fees and the Kinesis yields distributed each month. 

† Kinesis contributes 1% for every cashback transaction within the $2,000 spending cap.

The Kinesis Virtual Card will launch with spending limits of $10,000 per day and $20,000 per month.

For VIP clients, long-term users, or clients holding large balances who require greater flexibility and higher limits, Kinesis offers a bespoke white-listing system available on a case-by-case basis. Clients seeking custom limits can apply directly through their Account Executive.

The completion of Kinesis’ in-house card infrastructure represents a fundamental shift from reliance on third-party vendors to a self-managed system designed for resilience and global scalability. The strategic value extends beyond resilience, our architecture eliminates the need for separate integrations in each country, enabling us to activate new regional programmes efficiently.

Additionally, the new technology enables us to deliver our users highly competitive transaction fee structures, demonstrated with 0% transaction fees on transactions, in the US. The new technology positions Kinesis to efficiently expand card services across key markets worldwide. 

Alpha testing allowed us to evaluate the card’s functionality in a controlled environment before wider release. By testing with a small internal group of 25 users, we were able to identify and address any technical issues, refine the user experience, and ensure all features operate reliably. The insights gathered during alpha testing directly informed improvements and helped us maintain the high standards our community expects.

The Beta phase launches on February 9th, 2026, welcoming 250 Kinesis users in the United States to test the card and provide valuable feedback. As part of the Beta release, Google Pay functionality will be available on Desktop and App, enabling Beta testers to make real-time payments in-store as well as complete online e-commerce transactions from their desktop. Apple Pay will subsequently follow on an expedited release path, ready for live release.

Following the US Beta launch, Latin America and the Caribbean will be strategically rolled out in alignment with our regional partnerships and relationships. The expansion will continue to mature through enhanced on-ramps and strategic partnerships, facilitating seamless entry into the Kinesis ecosystem for users across the region.

Card programme rollout timeline:

• Alpha testing completed: December-January – 25 internal users
• Beta testing – the United States: 250 Kinesis users. February.
• Kinesis Virtual Card Launch: the United States  Q1 2026
• Full-scale US marketing: Q1 2026 and beyond
• Lat Am and Caribbean strategic card rollout: 2026 
• Card launch in the following regions: 2026 – Latin America & Caribbean, Australia, Canada, United Kingdom, Germany, the Netherlands, Poland, Spain, Switzerland with others to be confirmed.

As previously communicated, all users who preregistered in the above regions will receive all pre-registration benefits.

For our US clients, we’re pleased to announce new and upgraded banking facilities for deposit options launching within the coming weeks. These new US banking services will include SWIFT, ACH, and real-time payment rails, including FedWire and FedNow, delivering low-cost, instant fiat deposits for our US customers. These enhanced on-ramping rails will make it simpler and more cost-effective to move funds into your Kinesis account and start using gold – or C1USD – as everyday currency.

The successful completion of alpha testing represents a pivotal moment in Kinesis’ evolution. With our card technology now built and internally tested, we’re positioned to deliver the card solution that offers our users unmatched resilience, value and rewards. The phased rollout approach ensures we can deliver Kinesis users an optimal user experience from day one.

The Kinesis Virtual Card represents the first phase of our card program. The in-house card solution opens up doors to expanded offerings ahead. We look forward to bringing our community enhanced benefits, rewards and premium services throughout the 2026 period.

Closing the loop on the Kinesis Monetary System, the card will create a viable alternative for using precious metals, digital assets and stablecoins as everyday currency, while offering earnings in the enduring value of gold.