KOHO is expanding beyond everyday banking with the launch of KOHO Crypto, a new feature that allows Canadians to buy, hold, and manage digital assets directly within its app.
The Toronto-based fintech, which serves more than 2.5 million users across Canada, is positioning crypto as a natural extension of its existing suite of spending, saving, and credit-building tools. Rather than requiring users to sign up for a separate exchange, KOHO Crypto is embedded directly into the company’s core platform.
The offering is powered by Calgary-based crypto exchange Ndax, bringing regulated infrastructure and custody to the product. KOHO says the integration combines institutional-grade security with a simplified user experience designed for everyday Canadians.
“Access has been one of the biggest barriers for the average Canadian to dive into crypto,” said Daniel Eberhard, CEO of KOHO. “By bringing crypto into an environment Canadians already trust, we’re making that access more practical and aligned with how people actually manage their money.”
KOHO Crypto enables users to start trading with as little as $1, lowering the barrier to entry for new participants. The platform supports more than 20 digital assets, including Bitcoin, Ethereum, and Solana, and offers features such as recurring purchases, price alerts, and in-app education tools.
A key differentiator is the ability to fund crypto purchases instantly using a user’s existing KOHO balance, eliminating the need to transfer funds between platforms. Transactions are priced in Canadian dollars, with no foreign exchange fees or hidden spreads.
KOHO is also competing on cost. Trading fees start at 0.5% for its premium “Everything” plan members, with higher tiers for other users, positioning the offering among the lower-cost options in Canada.
Security and trust remain central to the rollout. Most assets are held with qualified custodians through Ndax’s regulated infrastructure, addressing common concerns around safety and compliance that have slowed broader crypto adoption.
The launch comes as interest in digital assets continues to grow, even as many Canadians remain cautious due to complexity and volatility. By embedding crypto within a familiar financial app, KOHO is betting it can reduce friction and bring more users into the market.
With KOHO Crypto, the company is signalling a broader ambition: to position digital assets not as a niche investment, but as part of a mainstream financial toolkit for Canadians.
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