Pay the bills back home from your stablecoins
Kin holds your USDT in an onchain vault and pays your family's bills, only to accounts a licensed provider verified
Bank details can be forged. Your payee book can't be.
A message saying “we changed our account, pay here” is all it takes to redirect a transfer. Kin only pays accounts a licensed provider verified, so a forged request has nowhere to send the money
How it works
From a bill to a bank, in three steps.
Fund
Deposit USDT into the vault once, set spending caps and name a nominee
Verify
The agent pays a bill only if its biller and payout account match the payee's ENS records
Settle
A licensed provider pays the bank in local currency and writes a receipt your family can read
Vault
Rules that live onchain, not on our servers.
Every payment starts as a bill like this one. Pick a guarantee on the right — the line of the bill it checks lights up
USDT · paid out in 
INRUSDT left · 30 daysPaid to the verified account, with a receipt on Arkiv
Agent grants
The agent spends only within the grant you set, per payment and per period. Revoke it any time
Reclaim window
If the provider doesn't settle within a day, anyone can return the USDT to your balance
Signed bills
A bill is paid only if the payee's registered biller signed it, and it expires after its due date
Verified payees
Money only goes to accounts a licensed payout provider wrote to the payee's ENS name
Spending caps
Every payment stays within the per-payee caps you set, enforced by the vault
Nominee takeover
If you go silent past your chosen delay, the nominee you named can take over the balance
Bills
Where a wrong account costs a month.
Each bill type gets its own payee name, so a cap on rent never touches school fees
- RentPaid monthly to the landlord's verified account at rent.gharfam.eth
- School feesTerm fees to the school's account at school-fees.gharfam.eth, capped per term
- Clinic visitsBills from the clinic's own wallet, paid only up to the cap you set
- Any bill you nameEach new tag becomes its own payee name, for example electricity.gharfam.eth
Guarantees
Your money only reaches verified accounts.
Payments to unverified accounts
The provider re-checks ENS before every payout
Bills signed by the biller
Unsigned or expired bills can't be paid
Settle window
Then anyone can return the USDT to your balance
Whitechain Sepolia · ENSv2 Sepolia · Arkiv Rabdi · MIT
Networks
Holds your USDT and enforces agent grants, payee caps and the nominee timer.
Whitechain Sepolia · chain 1874
settle window before reclaim
per payee: payment and period
who can redirect funds
Put family bills on autopilot.
Fund a vault on Whitechain Sepolia and pay a test bill in a few minutes