What Is USD Balance?
USD balance is a fiat balance linked to your Kolo Card. It may appear after card-related operations such as:
card payments
refunds or reversals
card-activation bonuses
supported conversions into USD
How You Can Use USD Balance
Spend It With Your Kolo Card
Use your USD balance to pay with an active Kolo Card anywhere Visa is accepted, as long as the transaction is supported.
Before paying, make sure that:
your card is active
your card is not frozen or terminated
you have enough available balance
the merchant accepts Visa
the transaction does not fall under card restrictions
How USD Balance Is Used for Card Payments
USD balance is always used first for card payments and cannot be turned off in Spending balances settings.
If you have enough USD to cover the full payment amount, Kolo uses your USD balance first.
If your USD balance does not cover the full payment, Kolo uses the available USD amount first, then uses your enabled crypto balances in priority order for the remaining amount (see Card Spending Balances — How it Works)
Convert USD to Crypto
If USD → crypto conversion is available in your account, you can convert USD balance to a supported crypto asset in the app.
Conversion is available only if:
USD → USDT or USDC
the amount meets the current minimum requirement (110 USD)
the selected crypto asset is available for this conversion
You’ll see the current minimum and available assets in the app before you confirm.
If your USD amount is below the minimum, you can still use it for card payments.
What You Cannot Do With USD Balance
USD balance can’t be used for USD transfers. You cannot:
transfer USD to another Kolo user
send USD by email
withdraw USD to a bank account
withdraw USD to another card
send USD to an IBAN
To move USD out of your card spending balance, use the USD → crypto conversion option in the app if your amount meets the requirements.
About Card Issue Bonus
If you received a card issue bonus in USD after card activation, it is added to your USD balance.
The card issue bonus itself is explained in the Personal Card Activation article. Once it is added to your USD balance, the same rules apply as for any other USD balance.