Kepler
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EUR · USDC · SEPA INSTANT

Move money at market speed.

Your own EUR IBAN and a USDC balance in one account. Swap instantly, send to any bank, wallet or marketplace.

Create accountTry the swap
SEPA credited in secondsUSDC on Solana & Ethereum

Three actions. That’s the whole product.

No order books, no staking, no tokens to learn. A balance that speaks both SEPA and USDC.

Deposit

Your own EUR IBAN the moment KYC clears. Wire via SEPA Instant, or deposit USDC on Solana or Ethereum.

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Swap

EUR ⇄ USDC at the live rate with one flat fee built in. No hidden spread, no waiting for a block.

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Send

Pay out to any IBAN or wallet, or push funds to another Kepler user or marketplace - instant inside the network.

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LIVE SWAP

Sold a knife in USDC. Rent is due in euros.

Type an amount. The quote you see is the amount that lands - fee included, live ECB rate, settled the moment you confirm.

<1s
swap settlement
Live
ECB rate
€0
fixed charge
Swap1 EUR ≈ 1.08 USDC
You pay
EUR
You receive
268.29USDC
Fee included · live ECB ratefee 2.71 USDC
FEES

One flat fee. Nothing bolted on.

Card rails and e-wallets charge a percentage and a fixed cut per payment, then hold your money for days. Kepler charges once, on the amount, and settles now.

RailCost on a €500 cash-outFixed chargeSettles
Card processors
Visa / Mastercard acquiring
€14.80
+ €0.30
2–7 days
Consumer e-wallets
PayPal-style, cross-border
€17.35
+ €0.35
1–3 days + hold
Exchange withdrawal
CEX → bank, incl. spread
€9–15
varies
0–2 days
Kepler
SEPA Instant or USDC
≈ €5
€0
seconds
Comparison uses publicly listed standard rates for EU card processors and consumer e-wallets as of 2026. Kepler’s full fee schedule is shown before every transaction.
POST /api/orders
// charge a customer after checkout
const order = await kepler.orders.create({
// the customer's own Kepler account
buyerUserId: "cm_9f2a1d…",
amount: "149.00",
currency: "EUR",
externalReference: "order_88213"
});
// → { id: "cm...", status: "CREATED" }
// customer approves in their Kepler dashboard, then:
// GET /api/orders/{id} → { status: "SETTLED" }
FOR MARKETPLACES

Get paid by your own customers - no card rails involved.

One API to charge a customer who already holds a Kepler account. They approve the payment themselves with a one-time code - no card form, no chargebacks to dispute.

✓A REST API to create and check orders - poll for status, no webhooks yet
✓Funds settle straight into your marketplace’s own Kepler wallet
✓Every customer is KYC-verified before they can hold a balance or pay you
Apply for a business accountRead the docs
KYC · INDIVIDUALS
Verified once, in about four minutes.
ID plus a selfie. Required before your first deposit - it’s what lets us hand you a real IBAN.
KYB · BUSINESSES
Marketplaces are vetted before going live.
Company registry, UBOs and source of funds. A dedicated onboarding contact walks you through it.
CUSTODY
EUR safeguarded. USDC segregated.
Client euros sit in safeguarded accounts at EU banks; USDC in per-client segregated wallets, never rehypothecated.
FAQ

Questions people actually ask.

Because we issue you a real EUR IBAN. Bank rails require every account holder to be identified, so verification happens once, up front - usually in about four minutes.

Open your Kepler account.

Free to open. IBAN issued the minute you’re verified.

Create account