KAELUM
KAE RATE£0.20fixed rateSPEND DISCOUNT6%+merchant discount, 4.5% fee appliesGOVERNANCEK.A.T.E.Ai-governedSTRUCTUREClosed-loopnon-crypto commerce currencyVERIFIED MERCHANTS1in pre-launch testingTOP DISCOUNT8T Clothing18% OFF1 KAE ≈ USD$0.27today's rate1 KAE ≈ CAD$0.38today's rate1 KAE ≈ AUD$0.39today's rate

Commerce Currency

WHAT IS A COMMERCE CURRENCY?

A Digital Currency Built For One Job: Buying And Selling. Fixed In Price, Governed By Ai, And Not Crypto.

A commerce currency is a digital currency designed to be spent with a defined network of merchants and creators, rather than held, traded or speculated on. KAE is the KAELUM commerce currency, fixed at £0.20 per unit.

Customers acquire KAE at the full fixed price and receive a 6%+ merchant discount when they spend it at participating merchants and creators. A 4.5% platform fee applies. There is no discount on buying KAE itself. KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds.

A non-crypto digital currency

Digital currency covers many things, from central bank money to cryptocurrency. KAE sits in its own category. It uses no blockchain, no mining, no gas fees and no exchanges, and it cannot be traded.

Fixed price

One KAE is £0.20. It does not rise or fall, and it earns no return. Your balance is predictable wherever you spend it.

Issued when paid for

KAE is issued only when it is paid for at the fixed price, one unit for every £0.20. There is no pre-set supply.

Closed loop

KAE is spent only with participating KAELUM merchants and creators. That is how it is used, by design.

Governed by Ai

K.A.T.E., built on Claude by Anthropic, checks every transaction, with human approval on anything sensitive.

Digital currency for everyday shopping in the UK

KAE is built for ordinary purchases: online, in store by QR code and through creators’ Social Paylinks. The benefit is on what you buy, a 6%+ merchant discount at participating merchants, with a 4.5% platform fee. Rewards such as KAEback are tied to spending, never to holding a balance.

Offline Mode is in pilot: K.A.T.E. sets the limits before you go offline and checks every payment when you are back.

The digital euro and private digital currencies

The digital euro is expected in 2029 at the earliest, and new account-to-account rails are being built in the UK and Europe. KAELUM is designed to complement them, not compete with them: a governed commerce currency that merchants, customers and their Ai agents can use on top of the rails that carry the money.

What a commerce currency is not

KAE is not an investment, not a store of value, not a loyalty points scheme and not a gift card tied to one shop. It is a fixed-price currency for spending across a network of merchants and creators.

Frequently asked questions

A commerce currency is a digital currency built to be spent with a network of merchants and creators. KAE, the KAELUM commerce currency, is fixed at £0.20 per unit and gives a 6%+ merchant discount when spent at participating merchants; a 4.5% platform fee applies.
No. KAE uses no blockchain, has no exchange listing and cannot be traded. It is a fixed-price commerce currency.
No. KAE is fixed at £0.20 per unit. It does not rise or fall in value and earns no return.
KAELUM is built and in pre-launch testing. KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds. You can join the waiting list to hear when it opens.
Loyalty points usually belong to one shop and can expire. KAE has one fixed price and is spent across every participating KAELUM merchant and creator.

Read more on KAELUM Insights

Be first when KAELUM opens

KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds. Join the waiting list to hear the moment it does.

Join the Waiting List

KAE is a commerce currency fixed at £0.20 per unit. It is not cryptocurrency, not an investment and cannot be traded. Spend KAE at participating merchants and creators for a 6%+ merchant discount; a 4.5% platform fee applies. KAELUM is pre-launch and is working towards the appropriate regulatory permissions before it takes any customer funds. KAELUM Technologies Ltd, England and Wales No. 16681154.

Spend KAE. Save 6%+ at every participating Merchant. Real value with every purchase.Not Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.You Set The Permission. The Agent Stays Inside It.K.A.T.E. Governs the Rails. You Govern the Spend. Creators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.Most Fintechs Added Ai. KAELUM is Made of it.Autonomous Where it Helps. Human-Gated Where it CountsAgentic Ai You Instruct. Not Ai you Hope BehavesKAE is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.