Koto Discussion

Hey!

Has anyone seen this new fintech, Koto? https://getkoto.com/

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After endlessly waiting for tymit I got koto today. First impression is very good. Didn’t order plastic card but I am using Google Pay and Curve card.
Entire process was really fast, applayed yesterday afternoon, got approved today morning
Koto has symilar idea to tymit, but it doesn’t has free periods. You can split transaction for X months (costing 10£ per month), you can use credit card credit (costing 0.25£ per day). The uniqe thing is that you can top up it as prepaid card and not use credit at all

I gave up with their “approval” - the passport was either too shiny or too dark, there was no middle way. I should really delete the app now.

Those fees sound extremely expensive