Kova

Dollars for every phone. Spend with a card, send to 20 networks, cash out to 35 + countries. @monad

iOS beta:

[Kova @kovafinance]

Meet Kova.

A dollar wallet you open with your face. Your shop lives in it.

• pay anyone, anywhere, in under 2 seconds
• no seed phrase, no gas, no fees
• $20 abroad shows up in their currency

Built on @monad. Every payment is on-chain.

[Kova @kovafinance]

@khenzarweb3 @auroraisnear @monad @assay_gr @cyberX___ @codeX_james Thanksss 🙂

[Kova @kovafinance]

@auroraisnear @monad @assay_gr @cyberX___ @codeX_james Thank you. Aurora Intent made our UX so seamless ❤️

[Aurora @auroraisnear]

Aurora Intents × @monad Metropolis Hackathon winners 🏆

🥇 1st: Invoices on Monad by @assay_gr.
Bill in USDC, clients pay from any chain.

🥈 2nd: Kova (@kovafinance) by @cyberX___.
A dollar account, get paid from anywhere.

🥉 3rd: Pact by @codeX_james.
One workspace for event funds.

$5K across three teams, all built for users who aren’t on Monad yet.

Congrats to the winners!

[Kova @kovafinance]

Join the waitlist → https://t.co/OUO20HoCp5

[Kova @kovafinance]

Introducing Kova for Chrome.

A wallet for websites that can't be drained.

→ Connecting shows a site your address. Nothing more

→ It gets a budget: $5, $20 or $50, a day or a week

→ Pages that cost 1¢ are paid without a prompt

→ Ask for more than the budget and it's refused

→ Freeze one site, or all of them, in one tap

In review at the Chrome Web Store.

Link in the comment to Join the waitlist:

cc: @spicytaco @0x_eunice @keoneHD @_jhunsaker

[Kova @kovafinance]

This is Kova.

Send money by link. Get paid privately. Shop online with virtual cards.

Pay offline with a code. On a basic phone, use USSD.

Use your phone as a till, run payroll and schedule recurring payments.

Cash out in 50+ countries.

Try Kova. 💜

@spicytaco @keoneHD @_jhunsaker

[DeltaV (scaling arc) @DeltaV_xyz]

DeltaV is an ecosystem of founders who ship every week 🚢

Here’s last week, in their own words.

@kovafinance: 141 transfers this week, up 57% on launch week. $8,564 moved in 239 transfers since mainnet on Oct 27. 43 cash-outs this week, up from 17. That’s $2,721 to banks so far (₦3.72M).

@empowertours: 12 txs this week vs 3 the week before (+300%). Back after missing three weeks.

GuardianAI (@noob_nad): Ownership of every live contract moved from one leaked key to a 2-of-3 multisig. 14 commits on main since Oct 24. 286/286 contract tests passing on Monad testnet.

@panal_mon: Remote MCP is live at https://t.co/mqhoQsdogZ and listed in the official MCP Registry. Any assistant that supports remote MCP can search agents and people, read profiles, prices and job status, and prepare a hire.

@stoa_xyz: Next for the STOA agent is proof-of-exploit. An actual, reproducible demonstration that a finding is real, re-runnable on demand. On Monad.

@jester_keri: Mako Market week 5. In-app notifications went live, the trading competition is extended to Nov 14, and new pools and staked test USDC both rose week on week.

@Lka10nft: Constellation week 38. The content engine is fully automated on a second brand. SCORE, GOVERN and ACT run end to end with every approval held by the marketing team. Best social posts yet for both brands.

Irrational Market: Monoracle became usable for real. Live prices replace demo placeholders, pulled from Nasdaq and Yahoo for US names, Sina and Tencent for China, and Nebius for spot GPU rental prices.

@DenariaFinance: Morpho joins Earn on Arbitrum, a second option alongside Aave. USDG incentives boost the yield while deposits stay in USDC.

Sacred: Shipped the first MVP on Arc Testnet at ETHGlobal Mumbai. One cirBTC sale-financing market with Earn, Trade and Activity. 116 commits over two days.

@dagentx_: Themes are live in WRAITH Wallet. Pick your favourite Monad meme and watch your wallet come to life.

@nuntiofinance: Team accounts with onchain spending rules and approvals. Pay a person, directly or through an agent, on a set date. Buy AI with AUSD: Claude and 0G models, OpenAI-compatible API keys, and Claude Code through Nuntio MCP. Naira in and out.

@gatopago: Live on testnet with the code public on GitHub. A dollar account that opens with a fingerprint. Mera derives the account key from the passkey. No seed phrase, no extension.

@PingMe_xyz: What’s better than paying less fees? Instant settlement. Trusted merchants on PingBusiness will become eligible for instant settlement in USDC onchain.

@usepayAi: This week went into making PayAI safer and more reliable. Shipped Next.js 16.4.5 with the critical image-optimizer RCE fix, plus sharp 0.35.5.

@Setsunaprotocol: This week was about making the bridge cheap and safe to use. Shipped pay gas in USDC on Setsuna Bridge.

@facto_to: Interlace sandbox integration is 99% complete. Also scoped a sandbox integration with Agentbank.

@0YL6N: Shramp X Spaces Ep 11 revealed what’s next for The Shramp Shop. The Mera wallet gets an update for the Item 2 drop that allows withdrawals.

@Onlyfrentrade: Onlyfren V3 is live with full esports and sports support, UX/UI improvements and revenue sharing. V4 social spot trading is coming.

@LeverUp_xyz: Cross-Exchange remains in Early Access as LeverUp expands trading beyond crypto.

@SolarDePin: Native Sol rebuild for Encode. Dropped the WebView for a real Android UI like the original Sol-AI. New APK and demo video cut. Final QA on our solar GPU server before submitting.

@stridemon: The website is simpler now. One idea per screen, How it works in four steps, and Why Monad as its own section.

@SpringX_Finance: Week 21. SpringX Ambassadors keep putting out in-depth articles and videos on the SpringX yield model.

@mybucks_online: https://t.co/cQa4UXcpL8 is listed on BetaList.

@MonadFeet: Quiet progress. Big moves ahead. Heads down building a series of major upgrades.

@AxilProtocol: AxilProtocol V1, M2M AI.

@carlosthecomic: I found bugs. It was easier to make the repo private for now.

@everdrawing: Optimising while waiting for better market conditions.

Building on Monad, Ethereum or Solana? Post your weekly update on DeltaV: https://t.co/aNkqOuntLG

[Kova @kovafinance]

In it for the tech

[Monad Eco @monad_eco]

In it for the tech

[Kova @kovafinance]

@Swarajp @0x_eunice @pareen @thestudio_xyz @monad_dev @harpaljadeja @kghayder Thank you. 🙂

[Kova @kovafinance]

Kova Weekly Update:

Our Second Week on Monad Mainnet, and Our Biggest Yet.

Shipped:

Dollar Mastercard: A virtual USD card available in minutes, funded directly from your Kova balance.
Users are already paying for X Premium and Claude with it.

Worldwide Cashouts: Withdraw to banks and mobile money accounts in the US, UK, Europe, Canada, Ghana, Kenya, Tanzania, and more.

Send to 19 Chains: Base, Solana, Ethereum, Arbitrum, and more. One Face ID, zero gas fees. Now live in TestFlight.

Free withdrawals from your card back to Kova.
Google sign-in on iOS. 24-word recovery phrase for every wallet.

Android build with dark mode.

Kova on basic phones: Try the USSD menu on our website.

Numbers:

141 transfers this week, up 57%.
$8,564 moved since launch.
$2,721 cashed out to banks.
85 users and 9 shops.

@spicytaco @keoneHD @_jhunsaker

[Kova @kovafinance]

@Getnianow @0x_eunice @pareen @thestudio_xyz @monad_dev @harpaljadeja @kghayder Thank you!

The demand for dollar keeps rising every day!

[Kova @kovafinance]

Moments like this remind us why we built Kova.

A user wanted to subscribe to X Premium, but his Verve card wasn’t accepted. Getting a Mastercard or Visa through the usual channels would have been stressful and time-consuming.

So he downloaded Kova. Within minutes, he had a Mastercard and paid for his subscription.

Today, another user did the same thing to upgrade to Claude Ultra.

These might seem like small wins, but to us, they mean everything.

Sometimes, all someone needs is a simpler way to pay. That’s what we’re building with Kova.

@spicytaco @keoneHD @_jhunsaker

[Kova @kovafinance]

@keoneHD @aviggiano running it on KovaCard next.

it's the contract that caps every key that spends in Kova on Monad: cards, allowances.

if a limit can break, we'd rather find it first.

[Kova @kovafinance]

You’ll love it. It takes a few minutes to set up and it’s free.

Thank me later 😁

[Rosie🤎 🫎 #WID @RosieeDrafts]

@kovafinance @spicytaco @keoneHD @_jhunsaker @0x_eunice @monad @monad_dev @harpaljadeja @pareen @nitrodotacc @withAUSD Okayyyy this is fire ngl

Had issues with Dollar cards Soo many times.

Would definitely try Kova

[Ninja:) @ninjaa_xyz]

We're seriously overdue for a better way to make payments.
One that's faster, simpler, and built for a world where money moves without borders.

That's where @kovafinance comes in, making digital dollar payments faster, simpler, and seamless.

With @kovafinance, you can:

➤Turn your phone into a payment terminal.

➤Get paid in about a second.

➤Verify your transactions on-chain.

➤Build smarter payment experiences with developer integrations.

Less waiting. Less friction. More freedom to pay and get paid.
Payments are evolving, and Kova is building for what's next.

Kova. Tap. Paid. Anywhere.

Explore Kova 👇
https://t.co/7N7k24QTjV

[Kova @kovafinance]

@_Jhayofweb3 @spicytaco @keoneHD @_jhunsaker @monad @0x_eunice @pareen @harpaljadeja @thestudio_xyz Yes yes!

[Kova @kovafinance]

Kova now cashes out to 50+ countries.

Your dollars to a bank, M-Pesa, Interac or an e-wallet, from the US to Kenya to the Philippines. You see exactly what lands, and when, before you send.

Try kova.

@spicytaco @keoneHD @_jhunsaker

[Kova @kovafinance]

@RosieeDrafts @monad @monad_dev Thanks for using kova 🙂

[Kova @kovafinance]

Kova on @monad mainnet so far:

$6,213 moved. 200 transactions.

₦2,309,105 paid out to nigerian banks.

[Kova @kovafinance]

A Kova user just bought Call of Duty on the @PlayStation Store with their Kova Dollar Card.

$69.99. Paid in seconds. Downloading on their PS5 now.

Told them they could cash out the change left on the card.

They said: "I want it to be in the app. I like seeing it there 😆"

Wherever you are, your money should work the way you want it to. Try Kova.

cc: @spicytaco @keoneHD @_jhunsaker