An exclusive offer to share.
Welcome Cashback
BasicFor every new user. The card is free. Cashback limits apply.
Boosted Cashback
Limited offer · 23 Nov – 3 Mar- Opens at $500 / €500 spent each month
- The rest of that month, purchases get 5% back
- Up to $10 per purchase and $50 a month
Starts again from zero every month. Replaces the basic rate while it applies.
Three ways to earn, all tied to real users.
Fixed payment per user
For every new active user who signs up with your link.
Paid monthlyPrize pool
Shared among creators by their users' spend during the campaign.
Paid once, after the finaleBring a creator
$50 once they bring 5 qualified users in the campaign, plus 10% of what they earn in it.
Paid once, after the finaleFull payout details open to approved creators.
Users count only from the campaign start, 23 Nov 2026, 13:00 UTC. Anyone who signs up with your link before then doesn't count toward the campaign.
Prize pool
The more all creators' users spend, the bigger the pool. It's split by spend, not by a draw, and paid once after the finale.
Apply in 3 minutes.
- Sign in with X and follow @KoloHub.
- Paste your Kolo referral link.
- Get approved. Many creators are approved on the spot; the rest hear back within 24 hours.
Download Kolo or open my.kolo.in or t.me/kolo, verify your identity (about 10 minutes), copy your referral link and come back. Your answers stay saved.
To join the program, you need to sign up to Kolo and get your own referral link.
Users count only from the campaign start, 23 Nov 2026, 13:00 UTC. Anyone who signs up with your link before then doesn't count toward the campaign. Apply now and get your link ready, but start sharing it from launch.
Welcome to the Creator Syndicate
Every new user who joins through your link from now on counts toward your payouts.
Your first 30 days are a trial period: payouts for more than 10 users that month are checked by a person before they're sent.
We'll check your Kolo activity
We look at your Kolo card and the users you've brought once a day. Come back tomorrow: your decision will be here.
We couldn't approve you automatically
Sent. A person will reply within 3 business days. Your Kolo referral link keeps working as usual.
Kolo works wherever your audience is.
No Kolo app in your App Store or Google Play? Use it in Telegram or in the browser: same account, wallet, cards and referral link.
Telegram mini app
Opens right inside Telegram. Nothing to install, works where the app store doesn't have Kolo.
Open in TelegramQuestions, answered.
For creators
Do I need a big audience?
No. We pay per user who spends, whatever the size of your channel. Friends and private chats count too.
Do I need my own Kolo account and KYC?
Yes. To join the program, sign up to Kolo, pass KYC and issue a card. All program payouts go straight to your Kolo account.
Your referral link doesn't need KYC: start sign-up in the Kolo app, stop at the identity check, reopen the app and copy your link from Earn. If you can't pass KYC, tick “I'm having trouble passing KYC” when you apply, paste that link and add a self-custody EVM wallet: you're paid in USDC to that wallet on the same terms. If you couldn't get a link at all, a person reviews your application within 3 business days and, if approved, issues you a UTM tracking link. A UTM link can miss some of the users you bring, especially sign-ups through Telegram.
Do users who sign up before the launch count?
No. Only users who sign up with your link from the campaign start, 23 Nov 2026, 13:00 UTC, count toward per-user payouts and the prize pool. You can apply and get your link earlier, but start sharing it from launch.
What if the Kolo app isn't in the App Store or Google Play in my country?
Use Kolo in Telegram or on the web at my.kolo.in: same account, wallet, cards and referral link. You can sign up, pass KYC and join the program from there.
For your audience
What is Kolo?
Kolo is a crypto wallet with virtual Visa cards in USD and EUR. You top up with crypto (USDT, USDC, BTC, ETH and more on 8 networks) and pay with the card online, in apps and in shops with Apple Pay or Google Pay where available. You can also send euros to bank accounts in SEPA countries.
Kolo works as an app, in Telegram and on the web at my.kolo.in. More about Kolo
In which countries can I use my Kolo card?
The list depends on the card and where you live. See In which countries can I use my Kolo card? in the Kolo Help Center.
What if the Kolo app isn't available in my country?
Use Kolo in Telegram or in the web version at my.kolo.in. You get the same features, without the app.
In which countries can't I open a Kolo account?
Kolo doesn't onboard residents of these countries and territories. They can't join the program as creators or count as creators' users:
List as of 30 Oct 2026, it may change. Card availability also depends on the user's country.
Share a card people actually use. Get paid when they do.
Payouts for every new user who spends and a share of a $100K prize pool. Applying takes a few minutes.