Your money, working harder: here's how.
Three steps between you and the interest that creditworthy businesses pay to borrow. No jargon, no black box, and a clear view of everything underneath.
Three steps, fully explained.
- 1
Choose a Strategy
Browse vetted lending strategies with clear risk profiles, terms, and track records. Every opportunity has been assessed by institutional credit professionals.
Clear risk profiles
Every strategy offers a range of lending options across geography, industry and effective interest rate, in line with its Priority Ranking structure, and each Credit Originator displays its historical performance and track record.
Two gates, two jobs
The Credit Originator completes credit assessment on each underlying borrower. Kasu runs due diligence on the Credit Originator before its strategy is listed.
- 2
Add Funds
Transfer from your bank or digital wallet. Bank transfers settle via US, European (SEPA), Mexican and Brazilian rails today, arriving in your wallet as stablecoins. More regions are being added.
Your wallet
A digital wallet will be created for you, or bring an existing compatible one. The app shows exactly what applies to you before you transfer funds.
Creditworthy business lending
Your capital funds a range of lending options such as accounting firm receivables, tax instalment loans, and remittance pre-funding. No exotic structures.
- 3
Earn Interest
Interest accrues and is capitalised at each weekly cycle close, so from week two, your interest is earning interest. Take monthly interest out as income, or leave it compounding.
Take it as income, or let it grow
Receive a monthly interest payout you can spend (including on the Kasu Card, coming soon), or leave it in place and let it keep compounding.
The power of weekly compounding
Most interest-earning products compound monthly at best. Kasu compounds weekly, and the Effective Interest Rates shown already reflect this. Figures assume no withdrawals and funds lent for a full year. Capital is at risk; interest is not guaranteed.
Follow your dollar, end to end.
No black box. This is the entire journey your capital takes, and every movement along it is written to a permanent record that nobody, including Kasu, can quietly edit afterwards.
You
Add funds by bank transfer on a supported rail, or with stablecoins you hold.
Your loan
Your capital becomes your own separate loan, with the Priority Ranking you chose within the strategy.
The Credit Origination Partner
A specialist Credit Originator lends it to creditworthy businesses, under each strategy's own security and recourse structure.
The business borrowers
The Credit Originator undertakes a full credit assessment on each business borrower before deploying your funds, followed by continuous covenant monitoring.
Repayments flow back the same path: interest is capitalised weekly and paid out monthly or left to continue compounding, as you choose. Capital returns by Withdrawal Request, filled from the funds available at each cycle close, in full, in part or over several cycles. Where a fixed rate is offered, your capital returns at the loan's set end date, provided you request repayment with the required notice; otherwise the loan continues at the prevailing variable rate.
Why institutional participation matters to you.
Every Lending Strategy offers Priority Rankings that order who bears a loss first. For Apxium's Australia-based strategies, the entire senior position is held by Rixon Capital, an institutional credit fund, committed after extensive due diligence of its own.
Rixon completed extensive credit and legal due diligence before committing capital. You benefit from that underwriting, and from its ongoing covenant and risk monitoring, without paying the management fees it charges its own investors.
Senior lender — Rixon Capital · Institutional Credit Fund
Ranked ahead of Kasu lenders for Apxium's Australia-based Lending Strategies: it bears losses last.
Your loan — the Priority Ranking you chose
A separate loan of your own. Lower rankings bear losses earlier and carry higher interest rates, to pay you for the risk you take.
What you can see, every day.
In credit, proof is the product. Every figure is verifiable, and your dashboard shows the state of your money in real time, not in a quarterly PDF.
Portfolio Dashboard
Real-time view of your funded capital, accrued interest, strategy performance, and availability.
Strategy performance
Historical and live metrics for every lending strategy, including origination volume, repayment performance, and loss events.
Credit Reporting
Periodic reporting on borrower health, collections performance, covenant compliance, and portfolio composition.
Risk Disclosure
Complete, plain-language documentation of the risks associated with each strategy, updated as conditions change.
How, and when, your money comes home.
This is the section most platforms bury. Here is how it actually works.
For variable rate loans, capital is returned by submitting a Withdrawal Request, processed weekly from available funds: filled in full, in part, or queued for the next close, subject to available liquidity.
For fixed rate loans, capital is returned upon loan expiry, subject to the minimum notice period shown in the app; without notice, the loan converts to a variable rate loan at the prevailing interest rate.
Interest is the exception, by design. Elect monthly payout and it becomes income without touching your capital, or leave it in and let it compound.
The honest caveat: early exit is never guaranteed, because these are real loans, not a savings account. If you may need this money at short notice, commit less of it, or none.
- Not a bank
- Not insured
- Capital is at risk
- Terms shown on every strategy before you commit
- Next
What stands between your capital and a loss
Security and guarantees on the loans, the originator's record and incentives, covenants and reporting, and institutional lending assessed first, explained layer by layer.
Read the structure - New to the asset class?
What is private credit?
The plain-English guide: what it is, why it exists, why it pays more than the bank, and the honest risks.
Read the guide
The mechanics, questioned.
What kind of businesses are being funded?
Kasu has four Lending Strategies, each suiting a specific kind of borrower: receivables and invoice financing for professional services firms, tax instalment funding for those firms' clients, and payment financing that helps Payment Service Providers settle remittances faster. More lending categories will follow.
How are the returns possible?
Your loan is deployed to a Credit Originator, who on-lends to its borrower clients. The borrower pays the originator an interest rate: the rate paid to you, plus a margin the originator keeps. Business rates, real risk, explained honestly on every strategy.
What happens if a borrower defaults?
The structure absorbs it in layers: collections, then the facility's security and recourse mechanisms, with any remaining loss borne in Priority Ranking order, junior first. Two honest notes: rights are exercised where recovery justifies the cost, and where a borrower also has a senior secured bank, the bank ranks first. Each strategy lists its own mix. The full sequence is on the Protection page. Losses remain possible; that is what you are paid for.
Can I withdraw at any time?
Often sooner than you might expect, but never on demand. Capital comes back as the book cycles: new funds coming in replace funds going out, and historically lenders have received capital back faster than the strategy timeframes suggested. That is history, not a guarantee. Enter with your strategy’s timeframe in mind, shown clearly in the app before you commit, and treat a fixed term as fixed. If you may need this money at short notice, this is honestly the wrong place for it: compounding only does its real work when the money stays in. The full mechanics are in “How, and when, your money comes home” above.
Is my money insured?
No. Kasu is not a bank and there is no government deposit guarantee. The protection is the lending structure itself, described in full on the Protection page, and it reduces risk without eliminating it.
Ready to see what your money could earn?
Create an account and explore live strategies in minutes.
Capital at risk. Not a bank. Returns not guaranteed.