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Kayanda Capital crest
Kayanda Capital · AI-Powered Working Capital Intelligence

Know what cash is coming.
Unlock it sooner.

Kayanda Capital is a pre-launch working-capital intelligence platform that combines an everyday Flow Account with AI-driven invoice, receivable, and payout analysis on stablecoin-ready settlement rails.

Built for independent workers, creators, contractors, small businesses, and platforms whose income arrives through invoices, receivables, and delayed payouts.
⬡ Try the Flow Intelligence Agent™ See How It Works Find My Available Money
Pre-launch · Seeking strategic, banking, compliance, and funding partners
4
Integrated products
Flow · Cushion · Split · Send
$0
Interest on Split — shown
in full before checkout
2018
Kayanda LLC founded ·
12+ yrs gov't contracting
Money owed is not money in hand.
Kayanda closes the timing gap.
The platform is designed to analyze invoices, receivables, and payout history, produce a funding-readiness view, and route eligible opportunities to licensed capital and settlement partners.
What we do
A working-capital intelligence layer.
One account for money you have
and money you are owed.

Kayanda is designed to read cash-flow signals, invoices, receivables, and approved payouts; estimate funding readiness; and connect qualified users to licensed partners that can provide faster access to funds.

Platform architecture
One platform.
Four connected capabilities.

The planned platform combines everyday money movement with AI-powered working-capital intelligence. Features will be delivered through appropriately licensed banking, lending, payments, and compliance partners.

◆
Everyday account

Kayanda Flow

A spending account with no monthly fee, no minimum balance, and no overdraft fees. Direct deposit can post up to 2 days early. A round-up feature sweeps spare change into savings automatically.

  • No monthly fee, no minimum balance
  • Early direct deposit (up to 2 days)
  • Round-up autosave on every purchase
◇
No-fee cash cushion

Kayanda Cushion

A small, no-interest cushion — like an overdraft buffer — sized to your deposit history. Unlike a typical cash-advance app, Cushion also reads gig payouts, invoice history, and creator revenue, not just a W-2 paycheck.

  • No interest, no mandatory fee, no credit check
  • Sized from deposits, gig payouts & invoices — not just payroll
  • Optional fee for instant-out; free if you wait for standard transfer
▣
Pay-over-time checkout

Kayanda Split

Split a purchase into four equal, interest-free payments — the checkout financing people know from Klarna. The difference: the merchant is settled the same day through stablecoin-ready rails, instead of waiting on a multi-day payout cycle.

  • Pay in 4, 0% interest, shown before you confirm
  • Same-day merchant settlement (stablecoin-ready)
  • Business version: split a supplier invoice, not just a checkout cart
⇄
Peer-to-peer

Kayanda Send

Send money to anyone, instantly, at no cost for standard delivery. Because Send can route over stablecoin rails, cross-border transfers move at a fraction of the markup a bank wire or card network charges.

  • Free standard P2P transfer
  • Optional instant-out for a small flat fee
  • Low-markup cross-border send via stablecoin rails
Who it helps
Built for people with money in motion.
For Business
Small Business Owners
Unlock unpaid invoices, receivables, contracts, and revenue.
For Individuals
Workers & Contractors
Turn approved earnings or job payouts into faster access.
For Platforms
Creators & Platforms
Support instant creator payouts instead of slow payment cycles.
For Fintech
Lenders & Fintechs
Add stablecoin-ready instant settlement and compliance workflows.
Where the gap is
What the big apps
don't do.

Chime built the everyday account. Klarna built pay-over-time checkout. Neither was built for money that's stuck in an invoice, a payout queue, or a receivable — and neither moves value over stablecoin rails. That gap is the Kayanda Capital product.

Gap 01
Kayanda covers this

Business & invoice unlock

  • Neither Chime nor Klarna touches unpaid invoices or receivables
  • Kayanda Split extends to supplier invoices, not just checkout carts
  • Built for contractors, creators, and small businesses waiting to get paid
Gap 02
Kayanda covers this

Income beyond a paycheck

  • Cash-advance and cushion tools built for W-2 payroll cadence
  • Kayanda Cushion reads gig payouts, invoice cycles & creator revenue too
  • One eligibility model instead of a separate app per income type
Gap 03
Kayanda covers this

Stablecoin-ready settlement

  • Merchant & creator payouts still ride multi-day legacy rails elsewhere
  • Kayanda settles same-day using stablecoin-ready infrastructure
  • Cross-border Send avoids typical bank-wire and card-network markups
Chime and Klarna are referenced for comparison only. Kayanda Capital is not affiliated with, endorsed by, or partnered with either company.
How it works
Four steps to spendable money.
01Tell Kayanda what money is stuck.
02Kayanda checks what may be available.
03Kayanda routes you to the right funding or payout partner.
04Money becomes spendable faster — by bank transfer, card, or stablecoin-ready rails.
Settlement infrastructure
Built for the way money moves now.
Stablecoin Rails

Built for instant
digital-dollar payouts.

Stablecoins are digital dollars that can move faster than old bank rails. Kayanda Capital helps companies prepare for instant payouts, digital-dollar settlement, and safer money movement.

Compliance Layer

Trust layer for faster
money movement.

Fast money needs safety checks. Kayanda Capital is designed for Chainalysis-style compliance workflows — wallet screening, transaction monitoring, risk checks, and safer stablecoin settlement. Kayanda is positioned for Chainalysis partner integration and built to support blockchain intelligence tools at every payout step.

Positioned for Chainalysis integration
See it in numbers
Split a purchase.
See every payment up front.

No hidden interest, no surprise fees — the full schedule before you confirm.

Kayanda Split · Pay in 4
Drag to any purchase amount. 0% interest, always.
$240
Due today
$60
3 more payments (every 2 weeks)
$60 each
Interest charged: $0, every time. Kayanda Split is repaid on schedule from your Kayanda Flow account; late payments may pause future Split eligibility. Illustrative example, not a loan offer.
Kayanda Cushion · No-fee buffer
Sized from your deposit, gig, and invoice history — not a credit check.
$3,200
Estimated Cushion available
$160
Cost if you wait for standard transfer
$0
Cushion is a small buffer, not a loan — no interest, no mandatory fee, no credit check. An optional flat fee only applies if you choose instant-out instead of standard (1–3 day) delivery. Illustrative example.
Roadmap
One card for
everything unlocked.

Kayanda Flow Card

The Flow Card connects your Flow Account, Cushion, and unlocked business or personal money to a single card. Spend a paycheck, a cushion, a Split purchase, or an unlocked invoice the same way — without waiting days for separate settlements to clear.

Kayanda Capital is not a bank. Card, wallet, lending, and payment features are provided or will be provided through licensed banks, lenders, payment processors, card issuers, and compliance partners — not directly by Kayanda LLC.
Business model
How Kayanda makes money.
For lenders, platforms & fintechs
Why Kayanda is a
qualified partner.

Kayanda Capital closes the gap that neither an everyday-banking app nor a checkout-financing app covers alone: money that's already earned but stuck — made available faster.

Why Kayanda qualifies

  • Instant, stablecoin-ready settlement — merchants and creators paid same-day instead of riding multi-day legacy payout cycles.
  • Underwrites the whole income picture — gig payouts, invoice cycles, and creator revenue, not just W-2 payroll — where cash-advance apps stop.
  • Built-in trust layer — designed for Chainalysis-style wallet screening and transaction monitoring at every payout step.
  • Reaches where Chime and Klarna don't — unpaid invoices, supplier payments, and receivables for small businesses and contractors.

Go-to-market hooks

  • Lead with a live, revenue-generating engagement — not a roadmap pitch: the Stablecoin Readiness Audit.
  • Target warm entry points where instant payout is already a stated priority — payroll platforms, creator platforms, factoring companies, and fintech lenders.
  • Convert audit engagements into platform contracts: audit → readiness roadmap → Flow/Split/Send integration → ongoing platform fee.
  • Use partner-program distribution to reach qualified fintechs and lenders directly, rather than one-by-one outbound.
First commercial offer · available now
Start with a Stablecoin
Readiness Audit.

A structured review for fintechs, lenders, payroll platforms, creator platforms, and factoring companies evaluating instant or stablecoin-enabled settlement.

"Can your company safely support instant stablecoin payouts?"

We review your current payment stack, compliance posture, and settlement workflows — then tell you exactly what needs to be in place before you turn on stablecoin payouts.

$5,000 – $10,000 Starting price · scoped per engagement
Request Stablecoin Audit Open Live Prototype

Find out what money
you already have coming.

Tell us what's stuck. Kayanda will check what options may be available and route you to the right partner.

Find My Available Money
Disclosure. Kayanda Capital is a product of Kayanda LLC (registered New York, 2018). Kayanda Capital is not a bank, lender, broker-dealer, investment adviser, insurance company, or money transmitter unless properly licensed. Deposit account, card issuing, peer-to-peer transfer, pay-in-4 financing, cash-advance, and stablecoin settlement services described on this page (including Kayanda Flow, Kayanda Cushion, Kayanda Split, Kayanda Send, and the Kayanda Flow Card) are provided, or are planned to be provided, through licensed banks, money transmitters, lenders, card issuers, payment processors, and compliance partners — not directly by Kayanda LLC — and require applicable state and federal licensing before launch. Availability, amounts, and pricing depend on eligibility, verification, underwriting, compliance checks, and applicable law, and may vary or be unavailable in some states. Kayanda is not affiliated with, endorsed by, or in a confirmed partnership with Chime, Klarna, Chainalysis, or any other company named on this page; references to them are for comparison only. Nothing on this page is legal, tax, or investment advice, or an offer of securities, credit, or deposit products. Capabilities described as roadmap do not exist today.