Kem
Stablecoin money app with crypto debit cards and tokenized-gold savings
Kem is a crypto financial platform offering USD and USDT balances, crypto-to-fiat conversion, peer-to-peer transfers, savings, tokenized-gold exposure, and Kem Cards for everyday spending. Its site states that KEM TECHNOLOGIES HOLDING Ltd is registered in Abu Dhabi Global Market, while card terms identify a Czech VASP-licensed operating entity and Google Play lists Kemfinity s.r.o. as the app developer. Kem explicitly describes itself as a financial platform, not a bank; these legal and operating roles are mapped separately.