Introducing aKOIN: The secure, multi-currency wearable wallet not linked to your bank or UPI. Pay with a simple tap of your ring, bracelet, or keychain.
Get Started in Three Steps
1
Load Your Account
Top up your secure aKOIN master account from any source.
2
Create & Assign
Create sub-wallets (e.g., "Coffee") and link them to your wearable.
3
Tap & Go
Pay instantly and securely with a simple tap. No phone needed.
Your Wallet, Your Style
The Ring
Sleek, subtle, and powerful. Pay with a simple tap of your fist.
The Bracelet
A stylish accessory that doubles as your wallet. Perfect for an active lifestyle.
The Keychain
The ultimate convenience. Your keys and your money, all in one place.
Built For Your Life
The Active & Phone-Free
Individuals who run, swim, or go to the gym and do not want to carry a bulky phone or wallet.
Parents & Caregivers
Customers who want to give a wearable to children or elderly parents for emergencies, with full control over spending limits.
The Security-Conscious
Users who want a secure way to pay without exposing their primary bank accounts or cards to fraud or skimming.
Get Early Access to aKOIN
Be the first to know when we launch. Join the waitlist for exclusive updates and offers.
A Deeper Look at aKOIN
Our platform is built on four key pillars: a flexible wallet architecture, ironclad security, global power, and zero-friction hardware.
The Multi-Wallet System
Take granular control of your finances. Your aKOIN app holds your master account, from which you can create unlimited "sub-wallets."
Create a "Family" wallet for your children.
Make a "Holiday" wallet for your trip to London.
Set up a "Grocery" wallet to stick to your budget.
Each wallet holds its own balance and can be linked to a specific wearable. It's budgeting and allowance, modernized.
Bank-Level Security. Total Control.
aKOIN is fundamentally safer than your credit card. By not linking to your bank or UPI, we create a financial firewall.
Prepaid-Only Risk: The only funds at risk are the small amount you preload, not your life savings.
Instant Freeze: Lose your ring? Tap a button in the app to freeze it instantly.
Full Control: Set spending limits, delete wearables, or require a PIN for large purchases.
The Global Currency Wallet
Travel the world with a single, smart wallet. aKOIN lets you hold and convert multiple currencies at competitive rates.
Hold INR, USD, GBP, EUR, and JPY in one app.
Pay like a local without exorbitant bank conversion fees.
Perfect for international travel, online shopping, or managing global finances.
'Always-On' Wearable Tech
Our wearables are designed for real life. They work independently of your phone using passive NFC technology.
No Battery, No Charging. Ever. The device is powered by the payment terminal.
100% Waterproof & Dustproof: Take it swimming, running, or to the beach.
Phone-Free Payments: Never worry about your phone dying. Your wearable just works.
Why Choose aKOIN?
aKOIN isn't just another way to pay. It's a fundamental upgrade to your financial security and convenience, completely independent of your bank.
1. Unmatched Convenience
Never be without your wallet. aKOIN is always with you, requires no battery, is 100% waterproof, and works without your phone. It's payment reduced to its simplest, most reliable form.
2. Absolute Security
This is not a credit card. aKOIN is not linked to your bank account or UPI. Your risk is limited *only* to the small amount you preload. Lose your wearable? Freeze it instantly in the app. It's the ultimate firewall for your finances.
3. Global Multi-Currency
Stop paying exorbitant bank fees. Hold, convert, and spend multiple currencies (INR, USD, GBP, EUR, JPY) from a single wallet. aKOIN is your perfect, secure travel partner.
4. Smart Budgeting Tools
Use our sub-wallet architecture to take control. Create a "Family" wallet for your children with a fixed limit, a "Holiday" wallet for your trip, or a "Grocery" wallet to stick to your budget. It's financial control made simple.
How aKOIN Compares
Feature
aKOIN
Credit/Debit Card
Phone (UPI/NFC)
Linked to Bank Account?
No (Prepaid)
Yes
Yes
Requires Battery/Charging?
No
No
Yes
Requires Phone to Pay?
No
No
Yes
Waterproof?
Yes
Varies (Plastics are)
No
Instantly Freeze/Limit?
Yes (Via App)
No (Must call bank)
Partial (Via settings)
Our Mission: To Redefine the Transaction
We believe that payments should be secure, seamless, and separate from your core identity. In a world of constant data breaches and clunky digital wallets, we saw a need for a new payment layer—one that is decoupled from legacy bank infrastructure and built for the security and convenience of the modern global citizen.
As Featured In
Our Vision for a Decoupled World
aKOIN is more than a product. It's a new, more resilient global payment infrastructure. Our vision is to create a secure ecosystem where your money is simple to use, safe to carry, and smart enough to manage itself. By separating the *act of paying* from your *core bank account*, we are building the financial firewall that consumers and businesses have needed for decades.
Founded by industry veterans from fintech, cybersecurity, and global-scale systems transformation, aKOIN is engineered to be the new standard in payment security and convenience.
Meet the Founders
aKOIN is led by seasoned industry experts with a proven track record in building and scaling secure, world-class financial technology.
Manu Sharma
Co-Founder & CEO
With over 15 years in the trenches of fintech and cybersecurity, Manu is a seasoned leader dedicated to building secure-by-design financial systems. Prior to aKOIN, he led cybersecurity strategy for one of Europe's largest neobanks, safeguarding billions in assets. He sees aKOIN as the necessary evolution of payments—decoupled from the vulnerable, legacy infrastructure of traditional banking.
Jon Holden
Co-Founder & CTO
Jon is a systems architect and digital transformation expert with a rare blend of fintech, cyber, and operational-scale experience. He has a track record of taking complex, legacy financial institutions and re-platforming them for the digital age. For Jon, aKOIN isn't just a product; it's a new, more resilient global payment infrastructure built from the ground up.
We're Hiring
Want to help us build the future of payments? We're looking for passionate engineers, designers, and operators to join our mission.
Integrate Wearable Money
Offer your customers, employees, or guests the future of payments. aKOIN's B2B platform allows for seamless integration of secure, co-branded wearable technology.
Co-Branded Wearables
Launch your own branded payment ring or bracelet. Perfect for loyalty programs, enhancing your brand, and offering unparalleled convenience to your customers.
Closed-Loop Payments
Power your event, festival, corporate campus, or resort with a self-contained payment ecosystem. Manage access, track spending, and reduce fraud with our secure, tap-and-go solution.
A Competitive Advantage
Differentiate your business by offering a cutting-edge, secure, and hassle-free payment option that works without phones or bank-linked apps.
Let's Talk Partnerships
Our team is ready to design a custom solution for your business. Fill out the form below to get started.