Enough is enough.

For too long, the global financial system has been rigged against the very people it was meant to serve. Traditional banks have failed billions — especially in emerging markets, where unstable governments, skyrocketing inflation, and broken systems have left people without access to the basic tools of financial freedom.

But it doesn’t have to be this way.

We believe in a new kind of world. One where money knows no borders, where control rests in the hands of individuals, not institutions. A world where your ability to send, receive, and store value is dictated by your needs, not by outdated banking systems.

This isn’t a fantasy.

It’s happening now.

It’s called Krayon,

And its beating heart is the Klear Network.

Krayon isn’t just building a bank — it’s building a decentralized, self-custodial Web3 Neobank. The platform will allow users to hold stablecoins, open virtual accounts, and spend stablecoins with a simple debit card. Krayon offers a truly global financial experience, letting users access the world of decentralized finance without needing a traditional bank account.

But what makes this experience seamless is Klear, our powerful Layer 2 network that plugs into local payment systems around the world. Klear is what enables real-time, low-cost cross-border payments. It connects Krayon users to local liquidity providers who can convert stablecoins into local fiat currencies — instantly, and in real-time.

With Klear, we’re creating a decentralized financial network that will revolutionize cross-border payments. No middlemen. No delays. No arbitrary rules. Just real-time, low-cost transactions powered by stablecoins and blockchain technology — empowering people and businesses to move money as freely as information flows across the internet.

A Broken System: The Banks Have Failed Us

For decades, the world has relied on centralized financial institutions to manage its money. But let’s be honest — they’ve failed us. In emerging markets, where financial services are desperately needed, the system is broken. Banks can freeze accounts, charge outrageous fees, and deny access at their discretion. And for what? They act as gatekeepers to wealth while leaving entire populations without the tools they need to protect their livelihoods.

Billions of people — digital nomads, SMEs, the underbanked — are trapped in a system that wasn’t built for them. High inflation devalues local currencies overnight. Businesses lose millions in cross-border payment fees. People live in constant fear that their accounts could be frozen by governments, leaving them without access to their own money.

This system doesn’t just need to be fixed — it needs to be replaced.

Introducing Krayon and Klear

Enter Krayon, the world’s first fully decentralized Web3 Neobank, designed to give people control over their money without needing a traditional bank. Krayon allows users to hold their wealth in stablecoins, open virtual accounts in multiple currencies, and access global payment options — whether that’s through a debit card, a mobile app, or multiple payment rails.

But what powers these incredible capabilities is Klear, our breakthrough Layer 2 payment network. While Krayon is the platform where users interact with their money, Klear is the infrastructure that connects stablecoins to the real world. It enables Krayon users to spend stablecoins anywhere in the world, using local payment methods like cash, Momo, UPI, or mobile wallets.

Our Vision: Money Without Borders

Imagine a world where anyone, anywhere, can access stable, secure financial services. A world where your money is truly yours — held in a self-custodial wallet that no one can freeze, seize, or control. A world where you can send money across the globe in real-time, without paying a fortune in fees. Where businesses can access better FX rates, receive payments instantly, and thrive in the global marketplace.

Powering this seamless experience is Klear, the underlying network that converts your stablecoins into local currencies for real-world payments, instantly.

This is the world we’re building with Krayon and Klear.

At Krayon, we believe:

• Money should be free to move across borders — without delays or fees.

• People should have complete control over their wealth, without the fear of government intervention.

• Financial freedom is a human right, and it should be accessible to everyone — no matter where they live.

The Klear network is the engine that makes this vision possible. We’re not just adding another layer to the old system — we’re creating a new financial rail. One that’s built on decentralization, trustless architecture, and stablecoins — making real-time, low-cost cross-border payments a reality.

Klear: the underlying network that converts your stablecoins into local currencies for real-world payments, instantly.

The Klear Revolution: A True Alternative to Traditional Banking

With Krayon, we’re offering people and businesses in emerging markets a user-friendly Web3 Neobank, giving them an alternative to traditional banking. But what makes it all possible is Klear — the payment network that powers these transactions. Together, Krayon and Klear are tearing down the barriers that have kept billions locked out of the global economy.

Klear is more than just a payment network — it’s a revolution. For the first time, people and businesses in emerging markets have a real alternative to traditional banking rails. With Klear, we’re tearing down the barriers that have kept billions locked out of the global economy.

Here’s how we’re doing it:

• Real-Time, Low-Cost Transactions: Klear processes cross-border payments in real-time, with significantly lower fees than traditional systems like SWIFT. Whether you’re a digital nomad transferring funds or a business receiving payments from across the globe, Klear makes it fast and frictionless.

• Access to Stablecoins: With Krayon, users can hold USD-backed stablecoins, giving them a hedge against local inflation. They can spend, save, and send these stablecoins without ever needing a traditional bank account.

• Deep Liquidity & Best Rates: The Klear network connects users to local liquidity providers, ensuring the best possible rates for every transaction. No more paying excessive fees to banks or waiting days for a payment to clear.

• Censorship Resistance: Klear is built on decentralized blockchain technology. No government or institution can freeze accounts or prevent users from accessing their money. With Klear, financial freedom is guaranteed.

The Klear Difference: Beyond Stablecoins — A Bridge to the Real World

You might be thinking:

“Why not just use stablecoins on Ethereum or another Layer 1?”

That’s a good question — and here’s the answer.

While stablecoins like USDT and USDC offer stability and self-sovereignty, they don’t solve the entire problem. You can hold stablecoins in your wallet, but when it comes time to actually spend that money in the real world — especially in countries where niche local payment methods are the norm — you hit a wall.

This is where Klear stands apart from everything else. Klear doesn’t just let you hold stablecoins — it connects them to the real world. It’s the bridge between traditional financial services and the decentralized world of stablecoins.

A Real-World Example: The Power of Klear Network in Action

Let’s say you’re a digital nomad, holding 100 USDT in your Krayon wallet, and you want to buy something from a vendor in Vietnam. The vendor only accepts cash or Momo (a local mobile payment method). You don’t have any Vietnamese Dong, and you don’t have Momo.

With any other crypto or stablecoin, you’d be stuck. But with Klear, you’re not.

Klear plugs into local liquidity providers in countries like Vietnam. These providers handle both pay-ins and pay-outs via local payment methods. So when you select Momo as the payment method from your wallet, Klear’s network automatically routes your 100 USDT to a liquidity provider, who then pays the vendor in Vietnamese Dong via Momo.

The best part? This happens in real-time, seamlessly. Neither you nor the vendor need to understand the mechanics. All you care about is that your payment goes through — and it does, instantly.

The True Power of Klear: Stability + Convenience

Here’s the beauty of Klear: it gives you the stability and self-sovereignty of holding stablecoins, but with the convenience of paying in local currency through local payment methods. Whether you’re paying for goods, services, or sending money across borders, Klear makes it possible without having to deal with multiple currencies or complicated conversion processes.

No more searching for local banks, currency exchanges, or worrying about getting stuck with devaluing local currencies. With Klear, you can hold your wealth in USD but spend it anywhere in the world, using whatever payment method is most convenient for the person or business you’re dealing with.

This is the Klear difference.

The Opportunity: Changing Lives in Emerging Markets

Emerging markets represent the largest untapped opportunity in the financial world. Billions of people live in countries with high inflation and unstable currencies, where traditional banks have failed to provide solutions. Krayon and Klear are designed to meet this desperate need.

Through Krayon, we’re giving people in emerging markets a simple platform to hold stablecoins, manage their money, and use virtual accounts — all from a decentralized app. Meanwhile, Klear ensures these users can make payments in real-time, allowing them to send and receive local currencies while holding stablecoins.

This is more than just an opportunity to buy tokens — it’s an opportunity to change lives.

Why We Fight: Financial Freedom for All

This is our fight. It’s not just about payments, stablecoins, or blockchain. It’s about freedom. The freedom to control your own money, to live without fear of your wealth being stolen or devalued. The freedom to move money as easily as you send an email, to pay for goods and services from anywhere in the world without worrying about borders or banks.

It’s time to take back control of our money. The future is decentralized.

We’re not just building a financial network. We’re building a movement.

A movement for financial freedom.

A movement for borderless money.

A movement for Krayon.

Join the Revolution: Participate in the Klear Network

This is more than just a product — it’s a revolution. And revolutions are driven by those who believe in a better future. That’s why we’re giving you the opportunity to join us in this fight for financial freedom.

Klear tokens are your ticket to be part of this revolution. By participating in Klear, you’re not just buying into a financial network — you’re joining a movement that will transform the way money moves around the world.

But time is running out. Join us, before it’s too late.

Be part of something bigger. Be part of the revolution.

The Future is Krayon. The Future is Klear.

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APPENDIX

Krayon versus Klear: What’s the difference?

Krayon: This is the Web3 Neobank offering users a decentralized banking experience. The Krayon wallet allows users to hold stablecoins, manage multiple virtual accounts in different currencies, and use a debit card to spend those stablecoins globally. Krayon acts as the consumer-facing platform where users interact with both decentralized financial services and traditional payment methods. Think of it as the user’s bank account, allowing them to access financial services without the traditional bank infrastructure.

Klear: This is the Layer 2 network that powers Krayon and other integrated apps. Klear provides the infrastructure that enables real-time cross-border payments by plugging into local liquidity providers. It’s the backbone that allows users to pay in fiat currencies using their stablecoins, connecting stablecoin holders to local payment methods like cash, Momo, UPI, Mobile Money, or bank transfers. Klear is essentially the underlying technology that makes seamless, cross-border payments possible.