Welcome to Kibo
The future of banking is here. women are at the center of it.
Mission-driven digital banking for women's financial inclusion. 🥳
Join our Public Beta at Kibo - the financial platform that puts women first. Experience a reimagined approach to saving, borrowing and building wealth in community. With a limited capacity of 500 new members, sign up today to secure your spot.
Bye financial gap
–
Ciao lending gap
–
Tschüss pension gap
–
Sayonara savings gap
–
Adios paycheck gap
–
Kwaheri investment gap
–
Bye financial gap – Ciao lending gap – Tschüss pension gap – Sayonara savings gap – Adios paycheck gap – Kwaheri investment gap –
Save More
More interest on your cash.
Earn up to 28.07% APY. So good we’ll repeat that: Earn up to 28.07% APY. 🤯
Make your financial aspirations a reality with Kibo HEY Saver. As a time deposit account, you'll earn above-average interest rates while pursuing your short- and long-term goals. The best part? No monthly maintenance fees, and our tiered deposit requirements cater to your unique savings needs. Collaborate and save with up to three individuals by pooling funds in a single HEY Saver account.
Get More
Unprecedented capital access.
Flexible repayment loans for Business and divorce-related expenses. 🤑
With Kibo FreshStart (Divorce) and DreamFund (Business) loan products, your savings account balance serves as collateral, so you can access the funds you need while your savings continue to earn interest. And since our loans are only available to members, you'll enjoy flexible qualification and repayment options that are quicker and easier than other sources.
Why we exist
Kibo exists to empower women.
We do that via financial Products that help close the gender wealth gap.
And we’re only getting started.
49% of women have less than €23,000 saved for retirement.
Women outlive men in almost every society, and the gender pension gap exists in virtually every retirement income system worldwide. Shockingly, only 1 in 5 women are confident they are on track to retire without running out of money. We're committed to providing solutions that empower women to achieve financial security in retirement.
50% of women will face an average €14,000 Divorce expense.
Regardless of gender, most people do not save for a divorce. Economic reasons are the primary reason why a woman may return to an abusive partner, as staying in a bad marriage may seem like the only way to avoid the 30% drop in standard of living and the many hidden costs associated with separation, such as legal fees, moving expenses, child care and therapy. Liquidity is crucial to afford separation and should not be predatory.
Almost 80% of women-owned businesses have limited or no access to credit.
It's unacceptable that women-owned businesses receive less than 10% of all business loans, resulting in a financing gap of around €265 billion, according to the International Finance Corporation. But by closing this gender credit gap, we could see a massive boost of over €100 billion in income per capita growth rates.
Getting Started
Your Kibo questions, answered.
We're here to help you with everything: from getting started to our business model. Since it's your money, we know you might have questions. Check out our full FAQ for frequently asked questions. 🤓
-
Kibo welcomes anyone regardless of gender identity and does not discriminate on the basis of race, color, religion, national origin, sex, marital status, or age. We welcome individuals of all gender identities to open an account with us.
That said, Kibo originates directly out of the real, global and growing financial, paycheck, credit, savings and pension gaps faced by most people who identify as women. Our mission is rooted in creating and delivering innovative products to close those gaps.
-
When you deposit into a HEY Saver account, you’re agreeing to leave a certain amount of money on deposit with Kibo for a certain period of time, such as one year. In exchange, we agree to pay a predetermined interest rate and the repayment of your principal at the end of the term.
To open a Kibo account you must meet the eligibility criteria including:
Be at least 18 years old
Be a resident of a supported country, and have a supported ID document, applicable to the country that you’re a resident in
Opening a Kibo account is 100% digital, requires no paperwork, and only takes a few minutes. Once we’ve reviewed your application and verified your identity, your initial HEY Saver account will be ready to fund right away and begin earning interest.
-
Kibo is operated and led by a fully remote team, and is incorporated under the name Three Peak Ventures OÜ, a limited company incorporated under Estonian law. Our legal address is:
Three Peak Ventures OÜ, Harju maakond, Tallinn, Nõmme linnaosa, Pärnu mnt 388b, 11612
Kibo generates money in two ways: via interest earned when issuing credit (i.e. loan) products, and via cryptocurrency arbitrage trading profits generated with a percentage of held assets. Kibo is a financial services or technology company, and not a bank. We are able to provide bank-like services (e.g. KYC and AML) and safely hold your deposit, via our regulated partners.
Join Kibo Beta
why join our growing community?
in addition to a high apy that beats inflation, here are three reasons to join kibo. 🔱
01. Be the change you want to see
Joining Kibo means participating in our mission to close the gender wealth gap. Like a bank, we use your deposits to provide loans to businesses that are owned by women, and to fund product development that empowers women to take control of their finances.
02. We’re online like you, with community tools in pipeline
Online means more convenience and flexibility, and lower overhead costs. This enables us to offer lower interest fees, zero maintenance fees and higher interest rates for your deposit. Finally, Kibo is a curated community with a lifetime goal of 5,000 members. That means we’re intentionally small and no user is anonymous.
03. You join a community of stakeholders
With Kibo we involve our members across our entire product and feature development process. We build with you, not only for you. That means: more personalized products, transparency and a better user experience.
— Clare Boothe Luce, American writer, politician and ambassador