From your bank to Koberlet

Koberlet neither buys nor sells currency: it is a wallet, and your keys are yours. To come in with euros or dollars you need a middleman that does the banking part, and for that you have to open a free account with Meru, which is a separate app from Koberlet. This is the route, explained so you understand it before moving a cent.

The route, in one line

Open a Meru account → transfer from your bank → dollars in Meru → USDC on Ethereum → your Koberlet address → the app bridge → kb-USDC on Kadena.

Before you start

Koberlet installed, your wallet created and the 12-word seed written down on paper.
A Meru account, which is free, opens from your phone in minutes and is verified with your ID document. Meru is a separate US company registered as a Money Services Business: they do the banking part, not Koberlet. Without that account there is no way in for the money.
Try a small amount first. If something does not add up, you lose small.

Step by step

Download Meru and open your account
It is a different app from Koberlet, free, on the App Store and Google Play. Signing up asks for your ID document; once verified you get a US bank account number and a European IBAN in your name.
Send the money from your bank to your Meru account
SEPA transfer in euros to the IBAN they gave you, or ACH and wire in dollars. It must be in your name. The balance shows up in dollars inside Meru.
Move the balance to the Web3 wallet, on Ethereum
In the Meru app, the Web3 wallet runs on Ethereum. Buy USDC there and keep a few dollars in ETH: that is the fuel you need to send.
Copy your Ethereum address from Koberlet
In Koberlet, Receive, and pick Ethereum. It is an address starting with 0x. Copy it and check it: the first and last characters must match.
Send the USDC to that address
From Meru, Send, paste the address and make sure the network says Ethereum. It arrives in minutes and shows up in Koberlet.
Cross to Kadena with the bridge
In Koberlet, Bridge, direction Ethereum → Kadena. You get kb-USDC in your Kadena wallet, and from there you can swap to KDA, set up recurring buys or anything else.

Invitation code

Enter this code when you sign up:

WQMMCR

With it you get 3 USD as a welcome on your first transaction. Identity verification must be completed within the first seven days.

What you need to be clear about

Sending on Ethereum costs a network fee, a few dollars depending on the moment, and the bridge spends too. For very small amounts it is not worth it.
The network matters. If you send USDC over another network to an Ethereum address, the money is lost. Always check that it says Ethereum.
While the money sits in Meru, they hold it, under their terms and tax obligations. Once it reaches Koberlet, the keys are yours alone and nobody else can move it.
Koberlet charges nothing for this and has no access to your Meru account or your funds.

Open a Meru account Koberlet downloads

Note: that code is an invitation code. If you use it, DNNS receives 5 USD from Meru. It does not change what you pay, and you can sign up without a code if you prefer.