# Kem App — The Global Money App

> Global crypto payments and transfers app with USDT, Bitcoin, Ethereum, and card features. (iPhone/iPad app by KEM LLC.)

- Source: https://appshunter.io/ios/app/kem-app/id6739941056 (this page in markdown: same URL + `.md`)
- Developer: [KEM LLC](https://appshunter.io/developer/1682114841)
- Category: Finance
- Price: Free
- Rating: 4.20/5 from 31 App Store ratings · 35 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 112 MB
- Languages: American English
- Released: 2025-04-21
- Data updated: 2026-08-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/kem-app/id6739941056/reviews.md

## What is Kem App?

Kem – The Future of Crypto Payments & Transfers


Kem is the fastest and easiest way to send, spend, and manage your crypto powered by USDT and the world’s leading digital assets. Whether you're making everyday payments, sending money globally, or swapping between major cryptocurrencies, Kem makes crypto as seamless as cash.

Here’s what Kem offers:

POWERFUL TOOLS FOR CRYPTO USERS

- Instantly send USDT, Bitcoin, Ethereum, and other major digital assets to anyone in your contacts.
- Pay globally with real-time conversions between crypto and local currencies.
- Swap between assets like USDT, BTC, ETH, Gold, and local currencies such as Kuwaiti Dinars, Saudi Riyals, and Dirhams.


SPEND CRYPTO LIKE CASH

- Kem Infinity Cards let you spend crypto online or in stores just like a regular debit card.
- Pay with Kem QR at supported businesses for seamless in-person transactions.
- Real-time conversion ensures your crypto is always spendable without extra steps.


SECURE, FAST, AND FLEXIBLE

- Withdraw funds to external wallets or linked bank accounts in minutes.
- Advanced security features protect your crypto with state-of-the-art encryption and authentication.
- Built with Tether’s trusted infrastructure for seamless USDT transactions.


GLOBAL & LOCAL PAYMENTS MADE EASY

- No borders, no delay send money instantly across the world.
- Easily swap between digital assets and local currencies like KWD, SAR, AED, and more.
- Designed for everyday transactions, from small payments to large transfers.


SUPPORTED ASSETS

Kem supports USDT, BTC, ETH, Gold, and major local currencies, with more assets added regularly.


NEED HELP?

Visit kemapp.io for more information and to contact Kem Support.


PRIVACY & COMPLIANCE

Transfers and withdrawals may be subject to review or network delays. Kem is a crypto financial platform, not a bank. Banking services, where available, are provided by licensed partners.

## Key features

- Send USDT, Bitcoin, Ethereum instantly
- Global payments with real-time conversion
- Swap between crypto, gold, and local currencies
- Spend crypto with virtual cards
- Pay with QR codes
- Withdraw to external wallets/bank accounts
- Advanced security features

## Recent user reviews (10 of 35)

All indexed reviews: https://appshunter.io/ios/app/kem-app/id6739941056/reviews.md

### 5/5 — Great way to invest and send money

*2026-06-19*

I buy and pay with crypto literally everywhere I go with this app. I hold all of my money here this app actually functions as my current bank account

### 1/5 — It sucks

*2026-04-23*

It’s a waste of time. It’s been a week and I am not able to withdraw my money.

### 1/5 — This app is as scam

*2025-12-20*

This app is  a scam, it stole my money , 740 Usdt . It wouldn’t let me withdraw it , and now they’ve deleted my account from the app.

### 5/5 — Practical and Efficient

*2025-12-10*

The app interface is easy to use, so I intend to use it more during travels soon - good job!

### 1/5 — not recommended at all

*2025-11-30*

their livechat always off, not responding on their emails, not answering on X.
i have been waiting for more than 12 days and no answer from them, and i dont know until now where is my money!!

### 5/5 — BEST APP EVER

*2025-11-29*

Own your money

### 1/5 — Poor services

*2025-11-28, version 1.1.7*

Virtual cards are not available still . It has been 20 days

### 1/5 — Deposit

*2025-10-29*

I made a deposit to my account and it’s not reflecting till now … it’s almost 5 days now and the support is not even responding to my emails …

### 1/5 — SCAM ALERT!

*2025-10-26*

This app will scam you of your money. Made a deposit of 10USDT and the money just vanished into thin air. Their support system is absolutely terrible, no response… nothing. Please be careful

### 1/5 — Scammer, be careful

*2025-10-15, version 1.1.4*

my money not credited in this app

## Frequently asked questions about Kem App

### What does Kem App do?

Kem App is a global money app that allows users to send, spend, and manage cryptocurrencies like USDT, Bitcoin, and Ethereum. It facilitates everyday payments, global money transfers, and swapping between various digital assets and local currencies.

### What are the key features of Kem App?

Key features include instant sending of major digital assets, global payments with real-time currency conversion, swapping between assets, spending crypto via virtual cards and QR payments, and secure withdrawals to external wallets or bank accounts.

### Is Kem App free to use?

The application is free to download and use. While the description doesn't detail specific transaction fees, it mentions in-app purchases are available, suggesting potential costs associated with certain services or features.

### What cryptocurrencies and currencies does Kem App support?

Kem App supports USDT, Bitcoin (BTC), Ethereum (ETH), Gold, and major local currencies such as Kuwaiti Dinars (KWD), Saudi Riyals (SAR), and Dirhams (AED). More assets are added regularly.

### How can I spend my crypto with Kem App?

You can spend your crypto using Kem Infinity Cards, which function like regular debit cards for online and in-store purchases. Additionally, you can use Kem QR at supported businesses for seamless in-person transactions, with real-time conversion ensuring your crypto is always spendable.

## Version history (last 5 releases)

### 1.3.3 — 2026-08-29

New
- Stock pages gained market stats (market cap, previous close, volume, open, high and low), recent news, and a notice when a stock is going through a split.
- Your own activity now appears on price charts. Buys, sells, sends, receives and conversions show as markers on the line — scrub to see any one of them.
- A stock order you have placed now appears in your portfolio while it settles, along with the figures it will move once it fills, and it is followed to completion wherever you go in the app.
- Card purchases now show the cashback they earned and why it was that rate.
- Savings withdrawals tell you when the money lands. A regular withdrawal carries a live countdown on the goal, in your activity and on the receipt, and the withdrawal sheet now states the instant-versus-free trade-off with real numbers.
- Two-factor setup has its own code screen, plus a button that opens your authenticator app with the account already filled in.

Improvements
- Stocks now read market hours straight from the market, including weekend trading on eligible stocks — those are pinned and badged when you browse, and every session says what it means for your order.
- Network names now show the token standard on their own line — Tron with TRC-20 under it — everywhere you pick, deposit to or withdraw from a network, so it matches the name your exchange uses.
- Splitting a transaction can now reach any Kem user through search, not only the people in your contacts.
- An order held up by a busy broker now waits calmly instead of looking like a failure, and an order cancelled by a stock split now says so.
- Ordering a card stays on screen until the card arrives, even if you close the app, and a declined application now names every detail that needs fixing.
- Back goes back where you came from, including on receipts opened from a stock, a chat or a currency.
- The savings receipt now matches the rest of the app and pulls to refresh.
- Onboarding slides follow your finger, and the boosted-cashback merchant table lines up into proper columns.
- If a profile photo fails to upload during signup, you can retry or continue without one — your account is already created.

Bug Fixes

- Fixed a crash on Android when opening some bottom sheets.
- Fixed buy and sell summaries deducting the trading fee twice.
- Fixed the home balance, portfolio and activity list briefly emptying into placeholders when a stock order settled or the display currency changed.
- Fixed a savings goal failing to open when part of its history could not be loaded.
- A signup that stopped before the profile step now takes you back to finish it instead of leaving you with an empty account.
- Fixed a rare error sheet appearing for a stocks check you never started.

### 1.3.2 — 2026-08-21

New Features
- Invite friends, earn rewards: your personal invite link  so you get credit when a friend installs and signs up. 
- Stocks.
- Easier ways to add money: step-by-step deposit guides for 80 banks, with your bank's exact fields and screens.
- Savings goals grew up: multiple goals now roll up into one summary on Home, and you can delete a funded goal by transferring its balance out in a single flow.
- Faster sending: a chat-style inbox for transfers with each person, favorites, recent counterparties when splitting a bill, and one-tap cancel for all pending requests.
- Little things that add up: recently used networks, addresses, and currencies float to the top of every picker; a copied address is offered right in the withdraw flow; the scanner now understands every kind of Kem QR code.

Improvements
- Withdraw to more destinations, with clearer exchange-rate information before you confirm.
- Filter your activity from a cleaner menu, see pending operations appear instantly, and view the history of a single stock.

Bug Fixes
- Fixed the app occasionally returning from the background unresponsive.
- Fixed sign-out sometimes navigating twice, and many smaller visual and stability fixes throughout.

### 1.2.8 — 2026-07-10

New Features
- Payment links and QR pay: send or collect crypto on the app with a shareable link, or pay someone in person by scanning a QR code.
- Savings: open a new savings account right from Home, and preview your returns with an interactive earnings simulator.
- Pay on the app with any balance: send or pay using whichever holding you choose and we convert it for you automatically.
- Export a PDF account statement with your transactions.
- Get help faster with in-Report a problem" option.

Improvements
- A refreshed look across the app with smoother, calmer animations.
- Activity: filter by tranith a fast scrollbar, andswipe a failed transaction to try again. Card payments now show the merchant's
logo and spending category
- Search for people and browse community highlights right from the Send/Request
screen.
- Faster loading with much less flicker and fewer layout jumps on Home, Activity,
and Community.
- Added security: confirm withdrawals with Face ID or Touch ID.
- More reliable sign-in wi plus clearer messages when something goes wrong.

Bug Fixes
- Fixed screens that could get stuck loading, including transaction details.
- Fixed an issue with card display.
- Fixed occasional unexpected sign-outs.
- Many stability, layout, e app.

### 1.2.0 — 2026-04-30

- Bank Withdrawals

### 1.1.9 — 2026-03-03

- Various minor bug fixes
- Home screen redesign

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## More apps by KEM LLC

- [Kem: Payments Made Easy](https://appshunter.io/ios/app/kem-payments-made-easy/id6447648155)

All apps by KEM LLC: https://appshunter.io/developer/1682114841

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*