Money that can only reach the verified payee it was meant for.
Lock USDC on Stellar for a verified payee, anywhere in the world. Nothing else can reach it.
Send a paymentHow it works
- 1
Lock
You lock USDC for a verified payee. The payout address is fixed at that moment. Nobody can redirect it later.
- 2
Claim
The payee claims it directly, on the schedule you set. No one else, including Kinlock, can touch it.
- 3
Verify
Anyone can check the payment on chain. The receipt says exactly one thing: payment to verified payee.
For senders
Pay a verified payee for someone else, anywhere. Set a schedule instead of one lump sum, and get a receipt you can check yourself.
Send a paymentFor payees
Get verified once, then receive payments directly, without a bank account in the sender's country. Decline any payment before you claim it.
Create a requestWhat Kinlock won't do
- Hold your money
- Kinlock never holds funds or keys. The contract does, and only the contract's rules decide where they go.
- Hide behind a database
- Every claim, decline, and refund is a transaction you can look up yourself, not just a row in our database.
- Overclaim a receipt
- A receipt proves a payment reached a verified payee. It isn't proof the money was spent the way anyone expected.
- Special-case a country
- Built to work the same way everywhere. A country is data the system reads, not a special case in the code.