# Kalyssi

> The trusted infrastructure for Web 2.5 finance

Kalyssi is a financial platform offering multi-currency accounts, cards, payments, and crypto services for individuals, businesses, and fintechs.

Kalyssi is a financial platform that combines traditional payment rails with crypto and mobile money services for individuals, businesses, and fintech developers. Users can open multi-currency accounts, issue physical and virtual cards, buy or sell crypto, and earn token cashback on transactions across a non-custodial wallet model. The platform is positioned as a unified payment operating system connecting fiat, stablecoins, and mobile money under a single interface.

Businesses use Kalyssi to manage team expenses, mass payouts, and cross-border settlements, while fintech developers and financial institutions access banking and crypto infrastructure through APIs with integrated compliance modules covering identity verification and transaction monitoring. The company operates as a regulated virtual asset service provider and holds payment licensing across several jurisdictions in Europe and Africa. Its non-custodial approach lets users retain control of private keys while still meeting conditional verification requirements tied to service levels.

The ecosystem extends to a proprietary blockchain and related decentralized applications such as a token swap and bridge, which support settlement for its payment products. Kalyssi is used by individuals seeking everyday multi-currency accounts, businesses handling payroll and vendor payments, and banks, fintechs, and government-adjacent partners building on its infrastructure across a growing set of countries.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2017-01-01
- Profile: https://thegrid.id/profiles/kalyssi

## Products

- [Kalyssi](https://thegrid.id/profiles/kalyssi): Kalyssi is a platform providing multi-currency accounts, physical and virtual cards, SEPA and SWIFT payments, crypto asset trading with DCA support, stock investment, and KLC-based cashback rewards for individuals and businesses. The platform integrates banking and crypto infrastructure through a unified interface with tiered subscription plans, and includes business account features such as team card management, mass payouts, QR code and payment link collections, and accounting integrations. (Neobank, Live, Main Product)
- [Kalyssi API & Infrastructure](https://thegrid.id/profiles/kalyssi): Kalyssi API & Infrastructure provides a REST/JSON API with modular building blocks enabling fintechs, neobanks, and platforms to integrate wallets, payments, card issuance, crypto and FX exchange, compliance, and KLC rewards into their own products. The system provides a sandbox environment, signed webhooks, official SDKs for multiple programming languages, and scalable API packs with integrated KYC/KYB compliance hooks and configurable quotas from MVP to enterprise deployments. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Kalyssi Full Service](https://thegrid.id/profiles/kalyssi): Kalyssi Full Service is a managed fintech development service covering initial product scoping and discovery, custom platform construction including operator portals and user journeys, integration with Kalyssi's banking and crypto infrastructure, and ongoing monthly operation and maintenance. The service allows non-technical teams, banks, and platforms to launch financial products without internal development staff by outsourcing the full technical build and operation. (Service Provider, Live)

## Assets

- [KalyChain (KLC)](https://thegrid.id/profiles/kalyssi): KLC is the native token of KalyChain, an EVM-compatible Layer 1 blockchain built on Hyperledger Besu with a hybrid PoA and PoS consensus. It is used for paying transaction fees, securing the network through staking, and funding programmable on-chain cashback rewards within the Kalyssi payment platform. Holders earn KLC automatically on eligible card payments, with reward rules executed transparently on-chain. (Native)
- [KUSD (KUSD)](https://thegrid.id/profiles/kalyssi): KUSD is a decentralized USD-pegged stablecoin issued on KalyChain, backed by over-collateralized crypto deposits including WBTC, WETH, USDT, USDC, and DAI. It is used for payments, DeFi collateral, and as a stable store of value, with holders able to earn passive yield through the KUSD Savings Rate. The protocol is a fork of MakerDAO's Multi-Collateral Dai system, maintaining a minimum 150 percent collateralization ratio to secure the peg. (Stablecoin)

## Links

- [Main](https://kalyssi.com)
- [Privacy policy](https://kalyssi.com/privacy)
- [Documentation](https://kalyssi.com/documentation)
- [Terms of Service](https://kalyssi.com/contract)
- [Twitter / X](https://x.com/KalyssiFaaS)
- [LinkedIn](https://linkedin.com/company/kalyssi)
- [Facebook](https://facebook.com/KalyssiOficial)
- [Telegram](https://t.me/KalyssiFaaS)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP