Klydo
Klydo (VaultLeap) provides self-custodial USD, EUR, and MXN virtual accounts with a Visa debit card, settling balances as USDC for international freelancers, remote workers, and platform-based earners across 60+ countries.
- Company typePrivate
- Founded2024
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Klydo does
Klydo, Inc. (d/b/a VaultLeap) is a Delaware-incorporated financial technology company headquartered in San Francisco that operates a multi-currency account and stablecoin card platform for international freelancers, remote workers, and platform-based earners. The core product provides real USD, EUR, and MXN virtual accounts (with ACH routing, IBAN, and CLABE numbers) that settle inbound payments as self-custodial USDC on a dual-system architecture — a Banking Interface System partnering with Bridge Ventures LLC and Lead Bank for regulated ACH/SEPA/SPEI rails, and a Currency Protection System built on Privy-managed non-custodial wallet infrastructure. A Visa debit card (issued by Lead Bank, with $0 monthly/reload and 0% international fees across 27 countries) spends USDC balances directly, and an optional Earn feature routes USDC into Morpho DeFi vaults curated by Steakhouse Financial, passing 100% of variable yield to users.
The business model is a self-serve, product-led growth motion targeting individual freelancers, platform-based workers (Upwork, Fiverr, Patreon, Airbnb), and non-US residents needing USD access, with a parallel Business/Platform Solutions channel for marketplaces and creator platforms. Revenue is generated through tiered transfer fees (0.75% Standard, 0.65% Pro, 0% up to $40K/mo at Zero tier with $20K+ card spend), ~0.5% partner pass-through FX fees on USD/EUR/MXN conversion (no VaultLeap markup), a $14.99/month Pro subscription, and a points/referral rewards program. Customer acquisition combines SEO-optimized comparison content, a $10-USDC-per-funded-referral affiliate program, organic social, and a growing set of pre-built payout-destination integrations with 20+ platforms including Stripe, Wise, Upwork, Airbnb, Patreon, Deel, Etsy, OnlyFans, and Mexican banks.
Klydo firmographics
Firmographics- Name
- Klydo
- Legal name
- Klydo, Inc.
- Website
- https://vaultleap.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Klydo (VaultLeap) provides self-custodial USD, EUR, and MXN virtual accounts with a Visa debit card, settling balances as USDC for international freelancers, remote workers, and platform-based earners across 60+ countries.
- Ownership category
- akta.pro rank
Klydo industry classification
Industry- Product category
- Cross-Border Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Savings Institutions and Other Depository Credit Intermediation (522180), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Functions Related To Depository Banking, Nec (6099), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Yield, Vaults & Asset Management (vault strategies, robo-vaults, structured yield) (FSAPAEAG)
- akta.pro secondary industries
- Lending Protocol Infrastructure (Oracles, Rate Models, Vaults) (FSADAFAN), Yield Aggregators, Auto-Compounding & Strategy Vaults (DeFi Yield) (FSADAHAK), Tokenization & Secure Payment Vaults (Card-on-File) (FSAMACAC)
Keywords
Where Klydo is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Klydo business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Transfer Fees: Tiered platform fees charged when money enters or leaves accounts via wire, ACH, SEPA, or SPEI. Standard tier: 0.75%, Pro tier: 0.65%, Zero tier: 0.00% up to $40k/mo then 0.55%. Only transactions through licensed partner banking rails qualify; on-chain transfers do not qualify.
- FX Conversion Fees: ~0.5% partner pass-through fee on currency conversions between USD, EUR, MXN, and other supported pairs. No VaultLeap markup. Applied transparently at conversion time.
- Pro Subscription: $14.99 USD per month or $119.88 USD per year ($9.99/month equivalent). Provides Pro-tier benefits including 0.65% transfer fee without requiring card spend threshold. Includes 2x points on all transactions and priority support.
- Points/Rewards Program: Points earned from eligible volume determine tier status. 10 points = 1 USDC equivalent. Pro tier subscription available to unlock benefits. Referral points equal 10% of Referee's Eligible Volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard tier with 0.75% transfer fee - default tier with no spending requirements |
| Subscription | Monthly | Pro tier with 0.65% transfer fee and enhanced benefits |
| Transaction based/ take rate | Pay-as-you-go | Zero tier with 0.00% transfer fee up to $40k/month |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Klydo product offering
Product offeringCore offering
VaultLeap is a financial technology platform that provides users with real multi-currency virtual accounts (USD, EUR, MXN) that settle as USDC stablecoin. Users receive international payments via ACH, SEPA, and SPEI rails and spend balances globally with a self-custodial Visa debit card with 0% international fees across 27 countries. An optional Earn feature enables yield generation through Morpho DeFi lending vaults, with 100% of yield passed to users and no platform fee.
Product overview
VaultLeap is a financial technology platform built around multi-currency virtual accounts (USD, EUR, MXN) that settle as USDC stablecoin. The core offering is the VaultLeap platform itself, which provides real banking account details (ACH routing, IBAN, CLABE) for receiving international payments, combined with a self-custodial Visa debit card for global spending. Additional modules include: the Earn feature for yield generation via Morpho DeFi vaults; QuickBooks Sync for accounting integration; and Money Clock, a physical LED device displaying balance growth. The platform operates on a tiered pricing model (Standard, Pro, Zero) with built-in currency exchange between supported currencies. Banking services are provided through partner institutions Bridge and Lead Bank.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- FX fee of ~0.5% vs Payoneer up to 2% - saving ~$150 per $10,000 transfer
- +5 more outcomes
Companies that use Klydo
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Klydo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration28 records
Feature5 records
Klydo partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and supporting.
- Bridge Ventures LLC (Bridge)coreBanking and payment partner providing ACH, SEPA, wire processing and card program management. Bridge is a financial technology company and Program Manager responsible for managing and operating the VaultLeap Visa Debit Card on behalf of Lead Bank. Not a bank. Provides regulated payment infrastructure.
- Lead BankcoreIssuing bank for VaultLeap Visa Debit Card, pursuant to license from Visa U.S.A. Inc. Provides banking services and regulatory framework for card issuance. Lead Bank is a regulated financial institution.
- StripecorePayment infrastructure provider powering VaultLeap's payment processing. Accounts are powered by Bridge, a Stripe company.
- Privy, Inc.coreAuthentication, wallet infrastructure, and Earn vault infrastructure provider. Routes deposits to third-party lending vaults. VaultLeap does not collect or store private keys.
- VisacoreCard network licensing Visa Debit Card issued by Lead Bank. Card may be used everywhere Visa is accepted.
- MorphocoreDeFi lending protocol powering the optional Earn feature. Users deposit USDC into third-party lending vaults on Morpho. One of the largest open lending protocols that has secured billions in deposits.
- Steakhouse FinancialcoreIndependent third-party risk curator selecting and monitoring lending market allocations for the Earn feature vault. Provides risk management oversight for DeFi lending exposure.
- QuickBookssupportingAccounting software integration allowing VaultLeap users to sync USD, EUR, and card transactions to QuickBooks. Includes custom tags and reconciliation support.
- Cloudflare, Inc.supportingBot protection and security (Cloudflare Turnstile), CDN and DDoS protection. IP address, browser data, and interaction data processed for verification.
- SumsubsupportingIdentity verification partner for KYC processes. Captures government-issued ID images and selfie photographs for identity verification during onboarding.
- PersonasupportingIdentity verification partner for KYC processes. Alternative to Sumsub for capturing identity verification images.
- Google LLCsupportingAnalytics provider (Google Analytics) for anonymized usage data and device information. Also provides Google Play distribution for Android app.
- Microsoft CorporationsupportingAnalytics provider (Microsoft Clarity) for session replay data and usage patterns. Used for service improvement and reliability.
- Sentry (Functional Software, Inc.)supportingError monitoring and performance tracking service. Provides error logs, device info, and usage context for identifying and fixing bugs.
Scale indicators4 records
Recent moves7 records
Expansion highlights6 records
Klydo competitors and assessment
Company assessmentDirect peers
- Deel: Deel is a global payroll and contractor-payment platform that pays remote workers and freelancers across borders. VaultLeap explicitly markets itself as a receiving account for Deel payouts, positioning against Deel's own withdrawal and FX offerings.
- Wirex: Wirex is a crypto-linked payments app that issues debit cards spending stablecoins and other digital assets with multi-currency accounts — a direct competitor to VaultLeap's self-custodial Visa debit card settling from USDC balances.
- Gnosis Pay: Gnosis Pay is a self-custodial Visa debit card that spends directly from a user's on-chain wallet (EUFB), comparable to VaultLeap's self-custodial USDC-spending debit card architecture with non-custodial private-key control.
- Airwallex: Airwallex provides multi-currency business accounts, global payments, FX, and corporate cards to SMBs and platforms — directly comparable to VaultLeap's Business / Platform Solutions offering for marketplaces and creator platforms.
- Payoneer: Payoneer is a long-standing cross-border payment platform targeting freelancers, marketplace sellers (Upwork, Fiverr, Airbnb), and SMBs receiving USD/EUR. VaultLeap directly compares itself against Payoneer's FX and fee structure, and supports receiving Payoneer payouts.
- Wise: Wise (formerly TransferWise) offers multi-currency accounts with real local bank details (USD, EUR, GBP, etc.), low-cost FX, and a debit card for international spending — the closest direct competitor to VaultLeap's freelancer-facing account and card offering. VaultLeap explicitly publishes a side-by-side comparison vs Wise on its site.
Broad incumbents
- PayPal: PayPal is the incumbent cross-border consumer payments platform, charging 3–4% FX and imposing up to 21-day holds on new sellers. VaultLeap explicitly positions itself against PayPal on fee transparency, no fund holds, and self-custody of balances.
- Revolut: Revolut is a large global neobank offering multi-currency accounts, FX, debit cards, and crypto features to consumers and SMBs. It overlaps with VaultLeap on multi-currency accounts and cards but serves a much broader audience and is not crypto-native / non-custodial.
Others
- Mercury: Mercury is a digital bank for startups providing multi-currency accounts, ACH/wire support, and cards via partner banking infrastructure. Comparable to VaultLeap's bridge-bank architecture, but focused on US-incorporated startups rather than global freelancers.
- Bridge (Stripe): Bridge is the Stripe-owned stablecoin and card-program management platform that powers VaultLeap's banking rails and Visa debit card issuance. As the core infrastructure partner, Bridge defines what VaultLeap can build and is a relevant adjacent comparison for stablecoin-native fintech infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Klydo social profiles
Digital presenceKlydo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Klydo leadership team
Management profileNumber of profiles
Klydo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Klydo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Klydo
What does Klydo do?
VaultLeap is a financial technology platform that provides users with real multi-currency virtual accounts (USD, EUR, MXN) that settle as USDC stablecoin. Users receive international payments via ACH, SEPA, and SPEI rails and spend balances globally with a self-custodial Visa debit card with 0% international fees across 27 countries. An optional Earn feature enables yield generation through Morpho DeFi lending vaults, with 100% of yield passed to users and no platform fee.
Is Klydo a public or private company?
Klydo is a private company. It is classified as unknown and is currently operating.
When was Klydo founded?
Klydo was founded in 2024. It employs 1 to 10 people.
Where is Klydo based?
Klydo is headquartered in San Francisco, United States, in the North America region.
How does Klydo make money?
Four revenue lines are on record. Transfer Fees are the primary driver. The others are FX Conversion Fees, pro Subscription and points/Rewards Program.
Who are Klydo's main competitors?
Direct peers on record are Deel, Wirex, Gnosis Pay, Airwallex, Payoneer and Wise. Broad incumbents are PayPal and Revolut. Others are Mercury and Bridge (Stripe).
Does Klydo have an API?
No public API is recorded for Klydo.
What industry is Klydo in?
Klydo's product category is Cross-Border Payments. Its primary akta.pro industry code is FSAPAEAG, Yield, Vaults & Asset Management (vault strategies, robo-vaults, structured yield), with a secondary code of FSADAFAN, Lending Protocol Infrastructure (Oracles, Rate Models, Vaults). Its NAICS code is 52232 and its SIC code is 6199.