為替 · The AI money app for everything on Arc
Money that moves when you speak
Ask Kawase by voice or by text in 10 languages. It drafts the payment, the swap or the bridge as a card; you approve; and the limits you set are enforced by the chain, not by a promise.
No sign-up to try: chat as a guest, then sign in when you want a wallet of your own.
- “Send 20 dollars to @amina”
- “Envoie 20 dollars à @amina”
- “@amina को 20 डॉलर भेजो”
- “أرسل 20 دولارًا إلى @amina”
What it does
One app for everything on Arc
Send, receive, request
Pay a saved contact, an @handle or any address in dollars or euros, and share a link to get paid.
Today: USDC and EURC on Arc to a saved contact, a Kawase @handle or an address the person types.
Not yet: sending to someone on another chain.
Swap
Trade at a quoted minimum you see before you approve, with one Face ID.
Today: USDC ↔ EURC on Arc through Circle's App Kit, with a quote, a guaranteed minimum and one Face ID.
Not yet: other tokens.
Meme coins
Trending and new tokens on Arc, with copycat and safety checks and caps you set.
Long and short
Open a long or short position with take-profit and stop-loss, funded straight from your wallet.
Buy with Apple Pay or card
Circle's Onramp Kit: a debit card, Apple Pay or Google Pay, straight into USDC on Arc.
Any token on Arc
Every token your address holds, with its real mark, its value and the same actions as dollars.
Withdraw anywhere
To your own address on another chain, an exchange that takes Arc deposits, or a friend.
Bridges, compared
Move money between Arc and other chains, with the bridges quoted side by side by what actually arrives.
Today: USDC from Arc to the person's own address on Base, Ethereum, Arbitrum, Optimism, Polygon or Avalanche, through Circle CCTP with Circle's forwarder (about a minute).
Not yet: executing another provider's route even when it is cheaper.
Earn
Put idle dollars to work across Arc protocols, compared by yield and by what you can withdraw today.
Today: depositing USDC into and withdrawing from Morpho vaults listed by Circle's App Kit Earn on Arc (mock vaults on Arc Testnet).
Not yet: other yield protocols.
Borrow
Borrow dollars against cirBTC, WETH or EURC, with a health gauge and liquidation alerts.
Automations
Scheduled sends, Auto-save and rules that act on their own, each one bounded on chain.
Today: scheduled sends of a fixed amount of USDC or EURC to one saved recipient, every day, week (on a weekday) or month (on day 1–28), bounded on chain to that recipient and amount per period.
Not yet: rules that send to someone else, swap, or act on a price (price-triggered swaps, DCA).
x402 marketplace
Pay AI services per call over x402, inside a budget you set.
Today: finding paid services in Circle's x402 catalog on Arc (web search and news, prediction-market odds, DefiLlama yields and prices, stock prices, data enrichment) and paying for one call from the person's own agent wallet, within a daily budget and a per-call cap they set.
Not yet: buying with Apple Pay straight into the agent wallet.
Contacts and @handles
Names instead of addresses, a hold when an address changes, and look-alike warnings.
Your money without Kawase
Export your wallet with Face ID and use it in any other wallet, so your money never depends on the app.
Safety model
It proposes. You approve. The chain enforces.
When
Inside your daily allowance
Sent at once, no prompt
Defaults: 500 USDC a day on mainnet, 5,000 USDC on testnet. The cap lives on chain as a delegation on your wallet; a payment above it is refused by Arc itself.
When
Above it, a new address, or a look-alike
You confirm with Face ID
Anything over the allowance, a first payment to a new address over 20 USDC (mainnet default), a look-alike address, every swap and every bridge. On the web it is an email code. A voice send always waits for your tap.
When
Anything else
It can't, by construction
Raising a limit takes your Face ID and a wallet signature. Revoking the agent is one ordinary transaction, and the agent’s next try fails on chain. Read the safety model for the full list.
Voice and languages
Speak in any of 10 languages
English
en
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
中文
zh
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
हिन्दी
hi
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
Español
es
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
Français
fr
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
العربية
ar
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
বাংলা
bn
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- OpenAI gpt-4o-mini-tts
Português
pt
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
Русский
ru
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- ElevenLabs Flash v2.5
اردو
ur
- Hears:
- ElevenLabs Scribe v2
- Speaks:
- OpenAI gpt-4o-mini-tts
Two networks
Practise on testnet. Switch when you’re ready.
Testnet · no real money
Arc testnet
Works like the real thing with free test USDC from Circle. The colour changes and the strip stays on screen, so you always know.
- Send, receive, requestAvailable
- SwapAvailable
- Meme coinsComing
- Long and shortComing
- Buy with Apple Pay or cardComing
- Any token on ArcComing
- Withdraw anywhereComing
- Bridges, comparedAvailable
- EarnAvailable
- BorrowComing
- AutomationsAvailable
- x402 marketplaceAvailable
- Contacts and @handlesAvailable
- Your money without KawaseComing
Judge kit
Try it, read it, check it
Web app
Try it as a guest, no sign-up
iPhone (TestFlight)
The native app with Face ID and voice
Android
Install the preview build (APK)
Docs
Guides, safety model, architecture
Source
The whole monorepo on GitHub
Demo and evidence
The video and every transaction behind it
Live counts
What Kawase has done so far, per network
Test USDC
Circle's faucet, if you bring your own wallet