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Test version. Real cards and payments are not available yet.

DeKU.
Launch status

Money at your pace

Virtual cards for life, ads and AI. One space, your rules.

DeKU keeps one wallet and gives every plan its own card: everyday spending, advertising budgets and AI subscriptions. Each card has a limit, a freeze switch and a clear history.

Launch statusSee how it works

Test version. Cards and money are simulated; real cards and payments are not available yet.

Operations feed, demoDemo data
  1. Top upWallet+$250.00
  2. FundWallet · Ads$120.00
  3. PayAds · Ad platforms−$48.20
  4. FundWallet · AI tools$40.00
  5. PayAI tools · AI subscriptions−$20.00
  6. FreezePersonalFrozen

What is DeKU?

DeKU is a personal money space where one wallet feeds separate virtual cards for everyday spending, advertising budgets and AI subscriptions. Every card has its own limit and can be frozen instantly, and every movement lands in a single searchable history.

Status
Pre-launch test version
Who it is for
Individuals. Companies send a request and work with a manager
Where it runs
Web app, installable PWA, Telegram Mini App in preparation
Interface languages
20, as editorial drafts
Money in the test version
Simulated USD, no real funds

How money moves

The wallet is the single source. You decide how much each card receives, and a card can never spend more than you gave it.

Wallet$500.00
Personal$180.00
Ads$250.00
AI tools$70.00
Shops and services
Ad platforms
AI subscriptions
Illustration with demo figures.

  1. Top up the wallet

    All funds arrive in one place first.

  2. Fund a card

    Move exactly the budget you planned to the card you choose.

  3. Pay within the limit

    A purchase above the card balance or limit is declined, the rest of your money stays untouched.

A separate card for each kind of spending

Mixing personal purchases, campaign budgets and subscriptions on one card hides where money goes. DeKU splits them by purpose.

DeKU.Personal
•••• 2048DEMO

Limit used62%

Personal

Everyday purchases stay apart from work budgets.

  • Its own spending limit
  • Freeze and unfreeze whenever you need
  • History filtered by this card
Active
DeKU.Ads
•••• 7731DEMO

Limit used38%

Ads

Give a campaign its own budget, so an overspend cannot reach the rest of your money.

  • One card per campaign or ad account
  • A lifetime limit caps total spend
  • Top up from the wallet when the campaign needs it
Active
DeKU.AI tools
•••• 4096DEMO

Limit used80%

AI tools

Keep AI subscriptions on their own card, so every renewal is visible and capped.

  • Renewals collected in one list
  • A limit that stops unexpected charges
  • Freezing may block future card charges, subject to issuer rules. It does not pause or cancel merchant subscriptions; issuer products are unconfirmed.
Active

Which card products will be available at launch depends on the issuing partner and is not confirmed yet.

Control in every movement

Four actions cover the whole life of a card. Each one is confirmed by the server before the screen shows a result.

Every operation is two entries that sum to zero

DeKU counts money in whole minor units and writes balanced postings: what leaves one account arrives in another. Nothing is lost to rounding and a repeated request cannot charge twice.

Credit $120.00
Debit $120.00
Balance check$0.00

Demo data

History
Search, filters by card and date, CSV export
Limits
A cap per card that the server enforces
Notifications
An inbox entry for every operation and card event
Recipients
Saved recipients for repeat transfers

Grow with DeKU

Partners bring companies and personal clients and see every accrual in their own dashboard. Earnings come only from money DeKU has actually received.

Company referrals

A share of what DeKU receives for a company you introduced.

Your own clients

A share of service fees actually paid by clients you brought.

How a partner share is calculatedDemo data
  • Received by DeKU$25.00
  • Costs$5.00
  • Reserve 10%$2.00
  • Partner 40%$7.20
  • DeKU 60%$10.80

A 30-day hold before an accrual can be paid out

These terms are a proposal, not approved commercial conditions, and do not guarantee income. Commission is never earned from turnover, sign-ups or top-ups alone.

Build on DeKU

The developer API covers cards, balances, transfers, history, notifications and the partner programme. Keys are scoped, expiring and revocable, and every request is signed.

  • 15 operations
  • HMAC-SHA256 signature
  • Idempotency keys
  • OpenAPI document
  • Node.js SDK

The API currently works against the local simulator only.

POST /api/v1/cards/{id}/fund
X-API-Key: key_id
Authorization: Bearer <secret>
X-DeKU-Timestamp: epoch seconds
X-DeKU-Nonce: unique UUID
X-DeKU-Signature: hex HMAC-SHA256
Idempotency-Key: order-000001

{ "amount": "120.00" }

Where DeKU runs

Where DeKU stands today

We would rather show the real state than promise. This list is updated with each release.

Works in the test version

  • Sign-up and sign-in
  • Wallet, card issuing and funding with simulated money
  • Transfers, limits and card freezing
  • Operation history with export
  • Partner dashboard and developer API

Required before launch

  • Confirmed issuing partners and card products
  • Agreed countries and sanctions policy
  • Identity verification and account protection
  • Independent security review
  • Testing on real devices and in Telegram

Questions and answers

Can I get a real card in DeKU today?

No. DeKU is a pre-launch test version: cards and balances are simulated and no real payments are possible. Real issuing will start only after issuing partners are confirmed.

Is DeKU a bank?

No. DeKU is not a bank and does not hold a banking licence. Real cards are planned to be issued through partner issuers, and those partnerships are not confirmed yet.

What kinds of cards does DeKU offer?

Three purposes: personal spending, advertising and AI tools. Each card has its own balance, limit and history, so budgets do not mix.

How do limits and freezing work?

You set a limit on a card and the server declines any charge above it. Freezing stops all new charges on that card immediately and can be reversed at any time.

In which countries will DeKU work?

The list of countries is not confirmed. It depends on the issuing partner and sanctions policy. The service is not planned for the United States.

How do partners earn?

From two sources: money DeKU receives for referred companies and service fees actually paid by a partner's own clients. Turnover, sign-ups and top-ups alone do not create commission. Current percentages are a proposal.

Is there an API?

Yes. The developer API has 15 operations with scoped keys, signed requests and idempotent money operations. At the moment it works against the local simulator.

Which languages are supported?

The interface has 20 languages, including right-to-left Arabic and Hebrew. Translations are editorial drafts and have not been reviewed by native editors yet.