# Karsa

> Banking. Truly global.

Karsa is a fintech company offering multi-currency business and personal bank accounts. It lets users in emerging markets receive, hold, and send funds across currencies, with cards and global payouts.

Karsa is a fintech company that provides multi-currency business and personal banking for companies and individuals in emerging markets. It offers accounts that hold multiple fiat currencies alongside stablecoin balances, letting users receive payments from marketplaces, platforms, and clients, and convert or spend those funds without relying on several separate banking relationships. The service targets e-commerce sellers, freelancers, and small businesses that transact internationally but lack easy access to reliable local banking.

The platform addresses the difficulty smaller businesses in emerging markets face when trying to receive foreign payments, hold value in stable currencies, and pay international suppliers or contractors. Accounts support transfers through several traditional rails alongside stablecoin transfers, and businesses incorporated in a wide range of countries can qualify. Funds can be converted between currencies and moved to recipients in many countries, reducing the need for multiple banking entities to manage cross-border operations.

Karsa's offering includes multi-currency accounts, corporate and personal payment cards, and global payout tools. Cards can be used for recurring business expenses such as advertising and cloud services, while payout features support paying suppliers, contractors, and partners abroad. The service is used by online sellers, agencies, and small and medium businesses that operate across borders and need a single place to receive, hold, and move money.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2024-01-01
- Profile: https://thegrid.id/profiles/karsa

## Products

- [Karsa](https://thegrid.id/profiles/karsa): Karsa is a neobank that provides a virtual US dollar account for people in emerging markets to save, receive, and spend money internationally. It converts local currency deposits into dollar-denominated stablecoins by routing funds through a network of verified peer-to-peer stablecoin traders, while abstracting wallet and key management so users interact with a bank-like interface. The app supports multi-currency balances, cross-border transfers to a wide range of countries, and a debit card for global spending, with funds held in self-custody wallets rather than a centralized custodian. (Neobank, Live, Main Product)
- [Karsa Business Banking](https://thegrid.id/profiles/karsa): Karsa Business Banking is a planned business banking product aimed at e-commerce resellers and small businesses that need to consolidate payouts, client payments, and expenses. It is designed to combine multi-currency accounts, corporate cards, and global payout capabilities into a single platform, integrating with marketplaces and payment platforms to receive funds from clients and services. The product is intended to let businesses hold balances in multiple currencies and pay suppliers or contractors internationally without maintaining separate accounts per country. It is currently accessible only through a waitlist rather than as a live service. (Neobank, In Development)

## Links

- [Main](https://gokarsa.com)
- [Terms of Service](https://karsa-assets.s3.us-east-1.amazonaws.com/KarsaTermsOfUse.pdf)
- [Privacy policy](https://karsa-assets.s3.us-east-1.amazonaws.com/KarsaPrivacyPolicy.pdf)
- [Twitter / X](https://x.com/go_karsa)
- [LinkedIn](https://www.linkedin.com/company/karsa)

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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
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- [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