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activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
Kontigo
USDC super-app. Non-custodial pitch. Not a bank. Not FSD. Not FDIC.
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6.3Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Kontigo is not a bank. The money sits with Card rails via partners — Kontigo is not a bank.
If it fails?
Not FDIC, FSD or DGS. Self-custody USDC is not a bank deposit. Circle’s USDC reserves are not your deposit-guarantee scheme.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
$0 core pitch — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.3
/10 · Mixed
Kontigo Global is a USDC app (Kontigo Inc., YC). Self-custody wallet, on-ramps, card. Not FDIC. Not Peruvian FSD. Kontigo Peru (Gmoney) is a different Lima prepaid. Two logos, two companies. Keep operating cash at a bank. Use this as a dollar-stablecoin rail if you already know what that sentence means.
What it is
Circle / Coinbase / Stripe named as ecosystem, not as your insurer. Directories smash the Venezuelan WhatsApp lore into the Peruvian EEDE. This desk keeps two slugs.
Best for: People who already understand USDC and want a LatAm on-ramp — not a salary account.
Last checked 2026-08-30. Not advice.
What it does well
- +Honest non-custodial pitch
- +Named as a wallet, not a banco
- +LatAm corridors
- +Separate from Kontigo Peru
What to watch
- −Not a bank
- −No statutory scheme
- −USDC is not a current account
- −Directories collide with the Peruvian prepaid
Who holds the money
The account
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- ACH / USD
- Built for
- Personal · Travel
- Settlement
- Card auth in seconds
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Kontigo lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not FDIC, FSD or DGS. Self-custody USDC is not a bank deposit. Circle’s USDC reserves are not your deposit-guarantee scheme.
Who holds the money: Card rails via partners — Kontigo is not a bank
- Various / VASP-class (confirm live)Fintech. Not a bank. USDC wallet + card rails. Kontigo Inc. · United States / LatAm
Fees
- Monthly
- $0 core pitch — confirm live
- FX markup
- On/off-ramp spread is the product
- ATM
- Card-dependent
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- USDC wallet
- LatAm on/off ramps
- Card spend
- Self-custody pitch
- Not a bank
Score
- Safety25%
- 3.8
- Fees20%
- 7.4
- Features15%
- 7.2
- App15%
- 7.8
- Global15%
- 7.0
- Support10%
- 5.8
Change log
Full logLicence
USDC self-custody — not FDIC, not FSD
Kontigo Inc. Separate from Kontigo Peru / Gmoney.
Available in
Straight answers
FAQ
01Is Kontigo a bank?
Kontigo is not a licensed deposit-taker in the classic sense. Money, if any, sits with Card rails via partners — Kontigo is not a bank.
02How is money protected?
Not FDIC, FSD or DGS. Self-custody USDC is not a bank deposit. Circle’s USDC reserves are not your deposit-guarantee scheme.
03Where is Kontigo available?
We list 3 markets on NeoBankDB. Residency and onboarding rules still sit with Kontigo.
04Card and wallets?
Kontigo lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Kontigo remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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