Kolan Referral Code KOLQRLDU: USD, EUR and GBP Account Details in One App (No Sign-up Bonus)
Join Kolan (formerly Hurupay) through this invite for USD, EUR and GBP account details, a virtual Visa card and crypto trading in one app; there is no sign-up bonus. Balances settle in USDC, aren't deposit-insured, and Kolan's terms let it freeze account funds without warning.
Read our full assessment →Quick answer
Use code KOLQRLDU for the Kolan offer. New eligible customers can get Multi-currency account after meeting the requirement: Sign up through the invite and pass identity checks; incoming payments start at $5 by ACH or $50 by wire, up to $4,999 each. Last verified 2026-10-27.
- Reward
- Multi-currency account
- Referral code
KOLQRLDU- Last verified
- 2026-10-27
- Difficulty
- Medium
- Time to claim
- 10-15 minutes to install and sign up; identity checks can take days or weeks
- Time to payout
- No sign-up bonus to pay out. Incoming payments settle into your Kolan balance as USDC; withdrawals to USDC or USDT are free, and local bank or mobile-money payouts carry partner fees shown in the app.
Where you can sign up
United StatesLimits apply
Restricted countries (15)
Belarus, China, Cuba, India, Iran, Iraq, Israel, Nepal, North Korea, Russia, Syria, Türkiye, Ukraine, Venezuela, Vietnam
Partly restricted: Afghanistan, Central African Republic, Congo - Kinshasa, Ethiopia, Hong Kong, Libya, Mali, Montenegro, Myanmar, Nicaragua, Palestine, Serbia, Somalia, South Sudan, Sudan, United Kingdom, United States
These countries cannot get the Kolan card; USD virtual accounts exclude more (including Hong Kong), and perps are closed to UK and US users.
KOLQRLDUReferral links: BitBoni may earn a commission when you sign up.
How to claim
- On your phone, tap Claim on this page. The invite opens Kolan's App Store or Google Play page (developer Hurupay Inc.).
- Install Kolan from that page and open it on the same phone before you sign up, so the invite attaches to your new account.
- If sign-up asks for a referral code, enter KOLQRLDU.
- Create your account and complete identity verification: ID, address and source-of-income details. Reviews can take days, and some users report weeks.
- Check the fees before you share your details with a payer: US payments under $100 cost a flat $2 by ACH or $32 by wire.
- Give payers your full Kolan account details exactly as the app shows them; Kolan cancels payments that arrive without them.
- Send a small test payment and make a test withdrawal before you route a salary or large invoices through Kolan.
Eligibility & requirements
- There is no sign-up bonus, cash or credit for joining through this invite.
- Use Claim on this page, and enter referral code KOLQRLDU if sign-up asks for one.
- You must pass Kolan's identity checks (ID, address, source of income and wealth). Kolan publishes no list of supported countries; sanctioned countries and countries that prohibit crypto are excluded.
- Perpetual futures and prediction markets are closed to UK residents and citizens.
- Receiving USD: ACH from $5 and wires from $50, up to $4,999 per transaction. Payroll and platform payments (Upwork, Gusto, Payoneer, Fiverr, Rippling) have no limit. Payments missing your full account details are cancelled.
- Kolan is not a bank. Its terms say funds are settled in USDC through Bridge Ventures Inc. and are not FDIC-insured, and that Kolan can freeze or confiscate account funds without prior warning.
- The Kolan card terms limit the card to business use, not personal or household spending.
Verification notes
- Minimum spend/deposit
- Sign up through the invite and pass identity checks; incoming payments start at $5 by ACH or $50 by wire, up to $4,999 each
- Last verified
- 27 October 2026
- Trustpilot score
- 2.4
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- USD, EUR and GBP receiving details in one app, built for freelancers paid by foreign clients and platforms.
- Withdrawals to USDC or USDT cost $0.
- Payroll and platform payments (Upwork, Gusto, Payoneer, Fiverr, Rippling) have no per-transaction limit.
- Lets you hold earnings in dollars rather than a weakening local currency.
- A virtual Visa card spends the same balance and can be added to Apple Wallet.
Watch out for
- No sign-up bonus for joining.
- Not deposit-insured: the terms say funds settle in USDC without FDIC cover, even though the website footer mentions FDIC.
- The terms let Kolan freeze or confiscate funds without warning, and users report accounts paused after deposits.
- Small payments are expensive: a flat $2 by ACH and $32 by wire under $100.
- The card charges up to 3% FX plus up to 3% cross-border, and its terms restrict it to business use.
- Support is email only, and reviewers report slow verification and unanswered tickets.
FAQ
- What Kolan referral code should I use?
- KOLQRLDU. Tap Claim on this page so the invite attaches, and enter KOLQRLDU if sign-up asks for a referral code.
- Do I get a bonus for joining through this invite?
- No. The invite opens a normal Kolan account, with no cash or credit bonus.
- Is Kolan the same as Hurupay?
- Yes. Hurupay Inc. renamed its app Kolan in August 2026; the company, contracts and existing accounts stayed the same.
- Is my money protected like a bank deposit?
- No. Kolan's terms say funds are settled in USDC through Bridge Ventures Inc. and are not FDIC-insured, and that Kolan can freeze or confiscate account funds without prior warning. Keep only working balances there.
- What does it cost to receive a US payment?
- ACH payments under $100 cost a flat $2 and wires under $100 a flat $32 (wires cost $30 more than ACH). Each payment is capped at $4,999 unless it comes from payroll or a platform such as Upwork or Gusto. Kolan's pricing calculator shows the fee for larger amounts.
- Which countries can open an account?
- Kolan publishes no country list. Its guides are written for freelancers in Nigeria, Kenya, the Philippines, Argentina, Pakistan and Spain, and sanctioned or crypto-prohibiting countries are excluded. Sign-up checks your country during verification.
- How do I get money out?
- Withdraw to a crypto wallet in USDC or USDT for $0, or to a local bank or mobile-money account through Kolan's payout partners, whose fees show in the app. Kolan's pricing page quotes exchange rates into NGN, KES, GHS, ZAR, PHP, ARS and CAD.
- What happens if Kolan closes my account?
- Kolan can end the terms on 30 days' notice, or immediately for reasons such as failed verification or suspected fraud. You may get a window to withdraw; after that, remaining funds can be claimed for five years by contacting support.
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Added 26 October 2026 · Last updated 27 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.