# Kem

> Own Your Money. Spend Anywhere.

Kem is a digital payments platform that lets users send money, exchange currencies, gold, and crypto, and spend through digital cards. It serves individuals and businesses across the Middle East and beyond.

Kem is a digital payments platform offering a mobile app for sending money, exchanging currencies, gold, and cryptocurrencies, and spending through linked payment cards. It is designed for individuals seeking accessible cross-border payments and dollar-denominated savings, particularly in regions with limited traditional banking access. The platform combines peer-to-peer transfers, currency and asset swaps, and card-based spending in a single application.

The platform addresses friction in cross-border money movement and access to stable-value assets by letting users hold and convert between fiat currencies, tokenized gold, and digital assets, then spend the balance using a linked card accepted at a wide range of merchants. It works with reserve-backed digital assets and publishes proof-of-reserves references for its gold offering. Kem has received investment from a major stablecoin issuer, which also integrates its stablecoin into the platform.

Beyond the consumer app, Kem operates a business-facing product that provides merchants with payment acceptance, payment links, payroll, and reconciliation tools settled in stablecoins across multiple blockchain networks. The consumer offering centers on the Kem app, complemented by card issuance and a gold investment feature, while the business product serves companies handling cross-border payroll and payments. Kem is used by individual consumers seeking everyday financial services and by businesses processing stablecoin-based payments and payouts.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/kem

## Products

- [Kem App](https://thegrid.id/profiles/kem): Kem App is a financial services platform that lets individuals manage stablecoins, other digital assets, and gold alongside traditional currencies in a single mobile application. Users can send money to contacts or across borders, swap between crypto, gold, and local currencies, and hold assets in a built-in wallet secured with multi-signature protection. The app also connects to linked payment cards for everyday spending and to bank accounts for withdrawals. It is aimed at consumers seeking a unified interface for cross-border transfers, currency conversion, and asset custody. (Financial Services Platform, Live, Main Product)
- [Kem Infinity Cards](https://thegrid.id/profiles/kem): Kem Infinity Cards, also marketed as Kem Spend Cards, are Visa-backed virtual payment cards that let users spend crypto and other digital assets at any merchant accepting Visa. The cards convert stablecoin or crypto balances into fiat automatically at the point of sale and integrate with Apple Pay for contactless payments. They are issued by a third-party card issuer and can draw on multiple supported blockchain networks to fund purchases. (Card, Live)
- [Kem for Business](https://thegrid.id/profiles/kem): Kem for Business is a stablecoin payment infrastructure platform that lets merchants and companies accept USDT payments and manage payroll through a dedicated dashboard and API. It provides hosted checkout pages and shareable payment links for accepting payments without building a storefront, consolidating funds settled across multiple blockchain networks into one business balance. Businesses can run cross-border payroll, process full or partial refunds, and export settlement and analytics data for reconciliation. The platform also offers instant off-ramps converting stablecoin balances to fiat for withdrawal to bank accounts. It operates as a separate merchant-facing offering with its own sign-in, dashboard domain, and developer tools distinct from the consumer app. (Payments Infrastructure & Orchestration, Live)

## Links

- [Main](https://kemapp.io)
- [Privacy policy](https://kemapp.io/policies/privacy-policy)
- [Terms of Service](https://kemapp.io/policies/terms-and-conditions)
- [Twitter / X](https://x.com/kem_app)
- [LinkedIn](https://linkedin.com/company/kemapp)
- [TikTok](https://tiktok.com/@kem.app)
- [Instagram](https://www.instagram.com/kem)

## Legal

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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