KIOSpend, save, and let Kio wait
Three parts of the bank. A purchase can be split. Savings follow a business you pick. Kio pays only inside a mandate.
Split a purchase
The price does not grow. There is no interest line on the plan.
Follow a local business
Savings do not pay an interest rate. They take a share of revenue from a bakery, a clinic, or a workshop you pick.
Let Kio wait
Inside a mandate, Kio can pay. Anything else waits for you. Pause is one tap.
Kio Bank, the bank of tomorrow. 0% interest, forever.
Standing desk at Studio Supply Dubai. The purchase price and the plan total are the same. Interest is 0.00%.
Purchase price EUR 600.00. Plan total EUR 600.00.
Installments
Each date, two decimals.
- 15 Jul: EUR 150.00 (paid)
- 15 Aug: EUR 150.00 (paid)
- 15 Sept: EUR 150.00 (due)
- 15 Oct: EUR 150.00 (scheduled)
Where savings go
The share is a stake in what that business earns. It is not interest, and it is not a listed share, bond, or fund you did not choose.
Al Quoz Oven
bakery in Dubai
Amount placed: EUR 700.00
Revenue share so far: EUR 18.40
Marina Care Clinic
clinic in Dubai
Amount placed: EUR 484.20
Revenue share so far: EUR 12.15
Kio asks first
A mandate is a limit you set, for a payee and an amount. Inside it, Kio can pay and then report it. A brother, a friend, or any other payment waits on a confirmation card.
Pause is one tap, from the header.
What waits
Kio does not move money just because it can name the person.
- A monthly streaming mandate can pay itself, up to the cap.
- Paying Jack, or a brother, waits for you.
- Declining leaves the money where it is.