System 8 — Cross-Border Crypto
Wise and Kraken. A multi-currency fiat rail paired with a single regulated crypto exchange.
Who this is for
Readers who hold balances in multiple currencies or move money across borders and want a clean separation between fiat movement and crypto on-ramp.
System layers
- On-ramp (fiat): Wise. Multi-currency account with cheap conversions and a sponsor-bank FDIC pass-through on interest balances.
- On-ramp (crypto): Kraken. Regulated US exchange. Holds Wyoming SPDI charter.
Cadence
Monthly review of FX positions in Wise; weekly review of Kraken balances against target allocations.
Why it works
Wise and Kraken sit in different jurisdictional and regulatory categories. A Wise interest-product change does not touch Kraken balances and vice versa.
What breaks it
Holding US-state-restricted balances on Wise interest where the program is unavailable.