Users are eligible to get joining bonus only once they complete the KYC on our platform. We request you to complete your KYC verification. After successful completion, you will receive joining bonus after 24- 48 hours.

The referral bonus will be rewarded only when the referee will complete his/her KYC on the platform. Please ask your friend to complete his/her KYC verification. Once his/her KYC verification will be successful, you will receive a referral bonus after 24-48 hours.

Generally, KYC verification takes place instantly but in some cases, our automated verification process fails an instant approval due to various reasons. In such cases, it might take 24- 48 hours to verify the KYC submission.

In most cases, KYC verification fails due to the following reasons:

1. Uploading Wrong Documents or Documents with incomplete details
2. Uploading Blurry Images or Images with Too Much Glare
3. Personal Details Did not match with the Officially Valid Documents
4. All the sides of the documents are not clearly visible

Please take care of the KYC guidelines properly and re-try KYC submission.

We are sorry for the inconvenience. Please contact our support team or mail us at support@kassio.com. Our team will look into the issue and update you about the same. We will try our best to resolve the issue as soon as possible.

We apologize for any inconvenience this may have caused. If your KYC has failed and your Kassio account has been suspended, we suggest you contact our customer support team for assistance at support@kassio.com. Our support team will provide you with further information regarding the reason for the suspension and guide you through the process of resolving the issue.

The following documents will be required to complete your platform KYC:

1. Passport
2. Driver's License
3. Residence Permit

You will be eligible for receiving a joining bonus only if you have signed up during the valid duration of our joining reward campaign. In case you have missed our campaign window, you will not be eligible for the bonus.

We usually run periodic reward campaigns. You can subscribe to our official social media handles and official website to stay tuned with the upcoming campaigns. You will find the upcoming campaigns announcements on our official platforms.

With Kassio you can start earning returns on your idle crypto assets without taking risk of trading. All you need to do is simply transfer your crypto asset to the Kassio wallet & start earning returns instantly. You can also invest in fixed deposits (FD) to maximise the gains on your crypto holdings by keeping the assets for a specific time period. With the earn module of Kassio, you can get returns up to 13% APY and amplify your crypto exponentially by just holding your crypto on our platform.

Yes! You can easily transfer your crypto assets from other wallets to the Kassio wallet using the deposit feature on the platform.

Yes! You can buy crypto assets via the buy option under the trade feature on Kassio. Once you purchase the crypto asset, you can utilize the earn feature.

There are two ways you can start earning interest on your crypto on the Kassio platform. You can start earning savings interest on your crypto while you hold it in the Kassio wallet. For earning higher interest rates, you can opt for a fixed deposit (FD) where you are required to hold your assets for a specified time period. Sign up with Kassio, put your cryptos in Kassio Wallet and start earning interest right away.

Yes! You can create FD with a minimum amount equivalent to 10 USDT in any crypto. For example, you need to have 10 USDT worth of BTC to do a FD in BTC.

Yes, You can withdraw your crypto assets whenever you want. You have full control over your crypto assets. However, if you withdraw your crypto assets before the maturation period, you will lose the interest earned. We recommend you keep your cryptos for a long period of time to earn returns.

As mentioned earlier, you can withdraw your amount from FD whenever you wish but on opting out before the completion of the maturation period, you will lose all the interest earned over the period.

The returns will be transferred to your wallet on the maturation of FD i.e completion of the lockin period of FD. For eg. If you have invested in 30 Days FD, you will get an interest payout after 30 days. However, your interest earned amount will be visible to you during the entire locking period of FD.

This is advised to keep funds for the long term in the FD to enhance the returns but there is no penalty on an early withdrawal.

To maximize your earnings up to the mentioned APY for your crypto, you need to invest your asset for one year and opt for the auto-renewing principal & interest option. At the end of the year, you will earn the APY stated for the crypto.

Yes! You can enable the auto-renewal option even after creating the FD. To enable the auto-renewal option, follow these steps:

• Step 1: Go to Earn and click on the records icon located in the upper-right corner (see below)
• Step 2: Click on the FD you want to modify
• Step 3:
  i. Select the Auto-Renewal option
  ii. Select between Principal only and Principal & Interest
• Step 4: Click on Update

You can check out the stepwise guide with reference Images.

Let's take an example to understand the difference.


On auto-renewing principal, interest earned will be paid out after one month whereas the principal amount will be invested for another month. Whereas on opting for renewing principal and interest, both the principal and earned returns will be invested for next month.

The annual percentage rate is the simple interest rate over the year. Whereas APY is the annual percentage yield in which the effective rate includes the effect of monthly compounding i.e interest over interest. Due to the compounding effect, the APY is always greater than the annual percentage rate.

At Kassio we always maintain liquidity corresponding to the total assets under management (AUM). We have a strong liquidity pool mechanism built in where we maintain adequate funds supply to meet fund withdrawals as needed. In addition, we have your asset secured against any unforeseen events. In summary, you will be always able to withdraw your funds.

“Crypto loans” are referred to the loans received against crypto assets as collateral.

User can keep their crypto assets as collateral and get a loan amount credited in accordance with the selected LTV. for eg. If a user opts for 25% LTV, he/she will get a loan amount equivalent to the value of 25% of the crypto collateral.

Applying for Kassio crypto loan requires these simple steps:

• Select the preferred crypto to take loan credit
• Enter the required loan amount
• Select desirable LTV
• Select the collateral crypto and enter your collateral amount
• Click on “START BORROWING”

Your loan will be instantly approved & credited to your Kassio wallet.

We offer customised user-centric borrowing. You can start borrowing as small as 50 USDT.

No! Currently, we do not offer crypto loan credits in INR.

You can take loan credits in all the cryptocurrencies listed on Kassio Platform.

LTV i.e Loan To Value ratio is a measure to determine the value of loan amount against the collateral. For example, 65% LTV means the value of loan amount will be equal to 65% of the collateral value at the current market rate.

You can choose LTV ratio as per your financial risk capacity. You can refer to the table below and choose the suitable LTV as per your loan requirement.

We have flexible payment options where you can make partial repayments as many times as you want.

You can close your loan anytime. You just need to pay your outstanding amount or settle using the collateral. Post settlement, your loan will be closed right away.

There is no fixed repayment plan. You can pay your loan amount any time at your convenience.

We don’t run credit checks. You can take crypto loan easily. All you have to do is keep your crypto as collateral and choose an easy to manage LTV.

Yes! You can take as many loans as you need. There is no maximum limit for it.

In case value of your collateral increases due to market price rise and exceeds the LTV as per the loan agreement, you can remove the surplus amount of collateral by using “Adjust Collateral” option.

We understand that tracking market fluctuations can be hectic for users that’s why we keep our users informed. We use margin calls to keep you informed about market movements. We will give you two specific margin calls to allow you to adjust your collateralized loans. We will send you margin call 1( LTV >= 75%) and margin call 2 (LTV>= 85%) alerts to remind you to adjust collateral in order to prevent the liquidation of your loan (Liquidation LTV= 95%).

No, We do not charge any kind of commission fee or origination fee for providing loans. You will get the entire loan amount credited to your wallet without any deduction.

You can pay the outstanding amount of the loan and withdraw the collateral anytime.

Yes! Your collateral is secured on our platform. You never have to worry about safety as we implement gold standards of security measures. Our user wallets and cold-storage wallets are powered by BitGo and also in addition to this, we have strong security protocols to ensure user funds are protected.

Yes! Depending on the current market value of the collateral you can pay the outstanding loan amount using your collateral and close the loan.

No! We do not charge any additional fees to close the loan. All you need to do is pay the outstanding loan amount and your loan will be automatically closed.

You can easily check your payment history of any active loan by following these steps:

• Step 1: Click on “Borrow”
• Step 2: Click on “View Loan”
• Step 3: Click on “Active” button corresponding to the desired loan
• Step 4: Click on “Activity History”

In “Activity History” you will find all the required pieces of information.

No! You can not change your initial LTV after taking the loan.

Yes! You can get loan in stable coin as well. You can select the currency from the 50+ cryptos available on our platform.

There are two payment methods to add funds to your Kassio account:

• You can use a debit or credit card to add money to your wallet.
• You can also add funds directly from your bank account using the bank transfer method.

However, this method usually takes 1-2 working days. Therefore, using a credit/debit card is recommended to add money quickly.

To view your transaction history:

• Open the Kassio App
• Select “KwikPay”
• Tap on “See All” to view your transaction history.

Yes, if you believe a transaction is fraudulent, you can contact our support team for assistance in disputing the transaction at support@kassio.com.

If you have lost access to your account on the Kassio app, you should contact our support team at support@kassio.com for assistance.

The Kassio platform does not charge any fees for using its services. However, the payment gateways linked to our platform may charge nominal processing fees when you add money to your Kassio wallet using your preferred payment methods.

Yes, you can link multiple bank accounts to your Kassio account. This allows you to manage all your bank accounts from one place and easily switch between them when adding money to your Kassio wallet.

You can choose among 50+ cryptos to buy or sell on the Kassio platform.

Kassio currently supports INR and plans to support EUR and DKK in Europe. We are working continuously to add more fiat currency pairs to bring more options for you.

Your order history will be easily visible in our app as well as on our portal. You can always extract your order history in .xls format to review at your convenience.

Wallet balance gets updated instantly but in case your wallet is not showing an updated balance, wait for a few minutes it will get updated.
In case it is still not updated, don’t worry at all your funds are safe with us, contact our support team and we will resolve your issue right away.

Kassio wallet allows you to earn while holding your crypto as well as it works as a unified crypto solution for all your crypto-financial needs. You can earn, trade and shop/Pay bills by using your Kassio wallet.

Yes, you can easily transfer cryptos from your existing wallet to your Kassio wallet.

The Transaction time in the whole process is fast as there is no third party involved in the whole process leading to null Clearance and Settlement Systems.

Yes, you can transfer your funds into your Kassio’s Wallet and start earning interest.

There are two payment methods to add funds to your Kassio account:

• You can use a debit or credit card to add money to your wallet.
• You can also add funds directly from your bank account using the bank transfer method.

However, this method usually takes 1-2 working days. Therefore, using a credit/debit card is recommended to add money quickly.

The only available method to withdraw money from your Kassio wallet is through a bank transfer. Kindly note that you need to have a verified bank account to make a withdrawal. Please ensure that you have provided accurate and updated bank details to avoid delays or errors in the transfer process.

The time taken to deposit money into your Kassio wallet will depend on the mode of transfer you choose. If you make a deposit using a credit or debit card, the transfer will usually be instant, and the funds will be available in your Kassio wallet right away. However, if you choose to make a deposit via bank transfer, it may take anywhere from 24 to 48 hours for the funds to be credited to your Kassio wallet.

Time taken in transferring crypto from Kassio wallet to other wallet address entirely depend on the blockchain network used to process the transaction. It also depends on the congestion of the network. Generally, the crypto wallet transactions are complete within 2 hours.

As mentioned above, time taken in transferring crypto depends on the blockchain network used to process the transaction. It also depends on the congestion of the network. Generally, the crypto wallet transactions are complete within 2 hours.