Prerequisites
Before activating your card, you must complete KYC verification.
Once your identity is verified, you may be eligible to activate your card.
Card Availability
Completing KYC does not automatically mean that card issuance is available in every case.
Card availability depends on the card program assigned after verification and may also be limited by your verification country, document country, and regulatory requirements.
If card issuance is not currently available for your KYC profile, the card option may not appear in the app even if your verification has already been completed successfully.
If card issuance is available for your profile, you can continue with card activation below.
How to Activate Your Card
Step 1: Make Your First Deposit
To activate your card, deposit a minimum amount in one of the supported stablecoins:
Minimum deposit amounts:
10 USDT (Tether)
10 USDC (USD Coin)
10 DAI
9 EURC (Euro Coin)
9 EURI
💡 Pro tip: Once your deposit is successfully confirmed, a card issuing request is created automatically.
Important rules:
the activation amount must be deposited in one of the supported stablecoins listed above
the deposit must be made as a single transaction that meets the minimum requirement.
Step 2: Card Issuing
After your deposit is confirmed:
The card issuing process begins automatically
Typical processing time: up to 10 seconds
The minimum deposit amount will be deducted from your balance
You'll receive an automatic card issue bonus (refund) in USD
Card Issue Bonus
The amount you deposited for activation is refunded as a card issue bonus in USD:
✅ Can be spent immediately with your card
❌ Cannot be withdrawn or exchanged
This bonus is designed to help you start using your card right away.
Activation Delays
While card activation usually takes only 10 seconds, delays can occasionally occur.
What happens during a delay?
You'll see the "Card Activation" screen with a loading indicator
Our technical team is automatically notified when issuing takes longer than 10 seconds
The team works to resolve the issue immediately
When to contact support
If your card is not issued within 1 hour, we recommend contacting support. However, this is extremely rare.
⏱️ Pro tip: Most activation delays are resolved automatically within minutes. If you see the loading screen, your request is being processed.
Multiple Cards and Profiles
Kolo allows you to manage multiple profiles and cards with the following limits:
Profile Limits
You can create up to 100 profiles in your account
Each profile can have only 1 active card at a time
Active Card Limits
You can have up to 3 active cards across all profiles at any given time
To issue a 4th card, you'll need to terminate one of your existing active cards first
Example scenarios:
✅ Profile A: 1 active card, Profile B: 1 active card, Profile C: 1 active card = 3 active cards total (allowed)
❌ Profile A: 1 active card, Profile B: 1 active card, Profile C: 1 active card, Profile D: attempting to activate = 4 active cards total (not allowed)
Quick Summary
Topic | Details |
Verification required | Yes |
Card availability | Depends on your KYC profile, verification country, document country, and regulatory availability |
Minimum deposit | 10 USDT/USDC/DAI or 9 EURC/EURI |
Typical activation time | Up to 10 seconds |
Card issue bonus | Refunded in USD, spendable but not withdrawable |
Max profiles | 100 profiles per account |
Max active cards | 3 cards at any time |
Cards per profile | 1 active card per profile |
When to contact support | If activation takes more than 1 hour |
FAQ
Do I need to complete verification before activating my card?
Do I need to complete verification before activating my card?
Yes. You must complete KYC verification before you can activate your personal card.
Does completing KYC guarantee that I will see the card in the app?
Does completing KYC guarantee that I will see the card in the app?
No. Completing KYC does not automatically mean that card issuance is available for every profile. Availability may depend on your verification country, document country, and regulatory requirements.
Why has my card not appeared immediately after the deposit?
Why has my card not appeared immediately after the deposit?
In most cases, card issuing starts automatically and finishes within seconds. If it takes longer, the request may still be processing.
Can I activate more than one personal card?
Can I activate more than one personal card?
Yes, but profile and active card limits apply.
What should I do if I closed the card activation banner?
What should I do if I closed the card activation banner?
If you closed the card activation banner before issuing your card, you can continue from Settings → Issue Card.
Need Help?
If your card has not been issued, or you are not sure whether your flow is personal or business, our support team will be happy to help.