Karsa

Karsa is a multi-currency neobank for businesses, freelancers, and individuals in emerging markets who need reliable access to USD accounts, stablecoins, and cross-border payments.

Key capabilities include:

• US business bank account and virtual US account for getting paid by clients and platforms, with support for ACH, Wire, SWIFT, SEPA, and stablecoin transfers
• Multi-currency balances to receive and hold funds in USD, EUR, GBP, NGN, CNY, AED, plus stablecoins such as USDT (and USDC is referenced for transfers)
• Global payouts to 80+ countries, including paying suppliers in China and Vietnam (direct or via crypto) and sending money to contractors in Pakistan and Bangladesh, plus moving funds between accounts in the US, EU, and Australia
• Corporate and personal cards for global spending on services like Google Ads, Meta Ads, and AWS, with no fees on USD spend and competitive FX rates

Available on Web and Android.

It targets B2B and B2C users, including e-commerce resellers, software teams, suppliers, contractors, and individuals who need international collections, stablecoin wallets, and multi-currency spending.

Karsa is notable for Africa-focused cross-border banking needs, with marketing that explicitly references cities like Lagos and markets such as Nigeria and Kenya, and for operating via Serai, Inc., a FinCEN-registered Money Services Business (Reg. 31000301293287).

As of Jul 13, 2026, Karsa is rated 3.5 on the App Store from 29 reviews and 3.3 on Google Play from 106 reviews with 10K+ installs.