**Krak** is a new global money app from **Kraken** that runs on **crypto infrastructure** but looks and feels like a modern **banking app**. It combines the speed and flexibility of **blockchain** with the stability of **traditional finance**. With Krak, you can send and receive **peer-to-peer payments** in over **110 countries** and access more than **300 crypto** and **fiat currencies**. You can also earn up to 4.1% APR on your USDG stablecoin balance starting from day one, and **up to 10% on select crypto assets** through **staking**, with no minimums or lock-ups.

If you’re **new to Kraken and Krak**, you can get a **$10 bonus in USD** by [signing up using my referral link](https://krak.app/@fragkogiannis) or my **Kraktag** `fragkogiannis` and making a **deposit** of just **$10 or the equivalent**. Once the deposit is confirmed, the **reward** will be credited to your account **within 14 days**.

Referred users have **30 days** to complete **account verification** (KYC), provide **proof of address** (Revolut or Wise statements are acceptable), and make a deposit of **$10 or the equivalent** in **USD**, **EUR**, **GBP**, **CHF**, or **CAD**via **bank transfer**, **debit card**, **Apple Pay**, or **Google Pay** to claim the bonus.

Krak will soon launch a **card** that lets you spend directly from your balance, using either **crypto** or **fiat**, wherever **Mastercard** is accepted. They also plan to introduce collateral-based lending so you can borrow against your crypto without selling it. Note that users in the **United Kingdom**, **Singapore**, **Austria**, and **Turkey** aren’t eligible for referrals, and Krak is currently not available in **Australia**.

After joining, you can refer others and **earn bonuses** through Krak’s referral program. To learn more, you can [visit the official terms of the Krak Referral Program](https://www.kraken.com/krak-referrals-terms).

Krak ➤ Use Kraktag @fragkogiannis, deposit $10 and receive $10 free with no trading or spending required!