Closed beta · test mode
Send money home.With Kobo.
Kobo sends euros from Ireland to your family in Nigeria. They choose when to change it to naira.
Kobo is in closed beta. Transfers in the beta run on founders' funds in test mode.
%22%20stroke-width%3D%220.04%22%2F%3E%3C%2Fsvg%3E){kind=small}
EURExample in the Kobo app. Amounts are illustrative.
Sending money home usually means…
- Arriving
- Can take days
- Fees
- Hard to see
- Rate
- One you didn't choose
- Holding it
- Straight into naira
With Kobo…
- Arriving
- Built to be fast
- Fees
- Shown before you confirm
- Rate
- They choose when to change
- Holding it
- Waits in digital dollars
A general picture, not any one service. Kobo is in closed beta, so we're still timing real transfers. Tap or swipe to compare.
How it works
Three steps, from your phone to theirs.
- In Ireland
You send in euro
Choose who it's for and how much. You see the fee before you confirm.
- On the way
It settles on Solana
Kobo moves it as digital dollars on the Solana network. You don't need to do anything.
- In Nigeria
They get it in Nigeria
It waits in their Kobo wallet. They change it to naira when they choose.
%22%20stroke-width%3D%220.04%22%2F%3E%3C%2Fsvg%3E){kind=small}
%22%20stroke-width%3D%220.04%22%2F%3E%3C%2Fsvg%3E){kind=small}
How does it work under the hood?
Kobo moves money using a digital dollar called USDC on the Solana network. USDC is designed to stay worth one US dollar. Solana settles it, which makes transfers fast and cheap.
You don't need to know any of this to use Kobo.
What you can do
Everything in one app
Send
Pay in euro from Ireland. Pick the person, check the fee, confirm.
Hold
The money waits in their Kobo wallet as digital dollars until they choose to change it to naira.
Claim by link
Not on Kobo yet? They get a link by email and claim the money in a few steps.
Activity
See every transfer and where it is: in progress, delivered or failed.
Payments
Simple, and always the same
Every transfer works the same way: amount, person, confirm. You see the fee before you confirm, so there's nothing to work out.
In the beta, nobody pays. Transfers run on founders' funds in test mode.
- You pay inEuro
- You chooseWho and how much
- Before you confirmYou see the fee
Every timeThe same three steps
Where Kobo is today
Honest about where we are
Kobo is in closed beta. Transfers in the beta run on founders' funds in test mode.
Closed beta
Only the founders and a small group of invited people can use the app today.
Founders' funds
Every transfer in the beta runs on our own money, not yours.
Test mode
The beta runs in test mode while we check every step.
Example in the Kobo app. Amounts are illustrative.
Roadmap
What happens next
No dates yet. We'll move to each stage when the one before it is working well.
- Now
Building and testing
We test every step ourselves, with founders' funds in test mode.
- Next
First testers
A small group from the waitlist tries Kobo with us and tells us what to fix.
- Later
Open to more people
More people in Ireland can join and send to family in Nigeria.
- After that
Built with you
We add what testers ask for most. Tell us what you'd want below.
Why we built Kobo
We watched the money our parents sent home take days to arrive.
Fees ate into it.
By the time it landed, the naira had dropped, and it was worth less.
And we kept jumping from app to app, looking for the best rate.
Kobo is what we wished they'd had.
Shina & Isaac
Questions
Is Kobo a bank?
No. Kobo is a new app for sending money from Ireland to Nigeria, built by two founders.
It's in closed beta. Transfers in the beta run on founders' funds in test mode.
Can I send money with Kobo today?
Not yet. Join the waitlist to keep your place. When we open to testers, we start with people on the list.
What does it cost?
You'll always see the fee before you confirm a transfer. We'll share prices before anyone sends their own money.
In the beta, nobody pays.
How fast is it?
We won't promise a time until we've measured real transfers. Speed is one of the things the beta is for.
What does my family need?
An email address. They get a link, open it, and claim the money into their own Kobo account. They choose when to change it to naira.
Do I need to understand crypto?
No. Kobo uses a digital dollar behind the scenes, but you just send euro and your family sees their money. The details are in “How does it work under the hood?” above.
What happens to my details?
We use them to keep your place on the list. We only email you news if you tick the box. Read our privacy notice.
Join the waitlist
Kobo is in closed beta. Join the list to keep your place for when we open to testers.
- Takes about a minute. Only two answers are required.
- Bring a friend. After you join, you get a link to share.
- No marketing emails unless you tick the box.
Want to help us build Kobo?
Tell us what would make sending money home easier. It goes straight to Shina and Isaac.