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Pay with a single gesture – anywhere in the world that accepts contactless payments. No card, PIN, bank account or smartphone required.
Pay with a single gesture – anywhere in the world that accepts contactless payments. No card, PIN, bank account or smartphone required.
Pay with a single gesture – anywhere in the world that accepts contactless payments. No card, PIN, bank account or smartphone required.
2,142 backers pledged £110,182 to help bring this project to life.

About this project

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Kerv – the world’s first contactless payment ring

£110,182

2,142

ENDING IN JUST 1 HOUR 

WE'RE FUNDED SO THIS IS YOUR LAST CHANCE TO GET THE WORLD'S FIRST CONTACTLESS PAYMENT RING ....FIRST!

## WE HIT OUR STRETCH GOAL - 6 NEW COLOURS - SCROLL DOWN FOR MORE INFO ##

Carrying a wallet or a purse can sometimes be impractical, uncomfortable or just downright risky. Ask joggers and cyclists. Or surfers and sunbathers. Or clubbers and festival folk … or even naturists – because you don't get many pockets in a birthday suit.

So we made Kerv, the world's first contactless payments ring. Now you can leave your wallets, purses, phones and smartwatches at home and still pay for stuff … with a single gesture.

Look for the contactless payment symbol
Look for the contactless payment symbol

You can use Kerv anywhere in the world that displays the contactless payment symbol (above), which was over 38 million locations, last count.

Just knock once for "pay"...
Just knock once for "pay"...

Kerv - as featured on...

Give me facts – fast!

  • Use Kerv to pay anywhere in the world that accepts contactless payments
  • Make contactless payments up to £30 (Euro-zone €25, US $25, Canada $100, Australia $100, New Zealand $80, Ireland €15)
  • Auto top-up guarantees you'll always be able to pay
  • Get an optional Kerv MasterCard® for higher-value transactions (it's a prepaid card, not a credit card, so there's no risk of getting into debt)
  • Connect as many Kerv rings and cards as you want to the same online account
  • Switch your ring (or card) off and on in your account settings – manually or with a timer
  • Perfect way to avoid card clash on London Transport

Why would I use Kerv?

Well, here's a prime example: going for a run? All you need is Kerv – and a solid pair of running shoes, obviously. Accidentally run too far and need to get the bus back? Or a cab? Kerv will get that. Burnt off too many calories by mistake? Why not use Kerv to buy an energy bar on the way home? It's waterproof, so if running's not your thing (and we'll understand if it isn't) then head to the pool instead.

So how do I actually make a payment with Kerv?

Glad you asked. Just make a gesture over the contactless payment terminal in-store (or over an Oyster Card reader if you're on London transport) and listen out for the beep – job done. Then listen out for the gasps of amazement from everyone around you. Seriously.

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Cool. How does it work?

Kerv contains a secure NFC contactless payment chip which is activated when brought close to a contactless reader – at retailers, in taxis or on public transport. The card reader treats Kerv in exactly the same way it would a contactless payment card, reading the encrypted data on the chip and authorising the transaction. Funds are withdrawn from your Kerv prepaid account and transaction details are logged, always keeping you on top of your balance via the Kerv app or the secure website.

Tell me about the account behind Kerv

The Kerv account powers everything. You load it up online, and your rings and prepaid cards draw funds from it – all plumbed-in to the same online account. It works just like a bank account, but you can only spend what you've put in, so there are no nasty overdraft fees and no risk of debt. Setting up auto top-up makes life a lot easier all round, and saves any awkwardness at the checkout if your funds run low.


Log in to your account on the Kerv app (or secure website) to check your balance, view your statement or change your settings. Everybody likes lists, so here's what you can do with your account once you've logged in:
  • Load it direct from your bank account, from a debit card or from a credit card
  • Send money to friends and family via electronic transfer
  • Pay bills
  • Make recurring payments by direct debit and standing order
  • Filter your statement, search within it and add your own notes to transactions
  • Set spending limits and prohibit the purchase of certain items
  • Set up transaction alerts and balance notifications – to be sent straight to your phone
  • Connect multiple rings and cards to the same online account
  • Switch your rings and cards on and off for extra security – manually or on timers 

Is Kerv secure?

We've designed Kerv to only make a payment within a very small radius of a contactless reader, to avoid any unintended transfer of data or funds. Transactions with Kerv over the contactless payments network are just as secure as using Chip & PIN. Your purchase data is always encrypted and because Kerv never leaves your finger, the risk of cloning or theft is significantly reduced.

Your online Kerv account is super-secure, and provides you with all the tools you need to add further layers of security to your transactions. You can switch your rings or cards on and off manually – or automatically with timers – and you can easily control the types of retailers at which Kerv can and can't be used. Your account also lets you set transaction alerts and balance updates, so you'll always be on top of your account activity.

Apart from paying, what else can I do with Kerv?

Lots. So far, Kerv also offers easy access via NFC-controlled locks and security systems, information sharing with NFC-enabled smartphones, and one-touch access to London’s public transport system.

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What’s Kerv made of?

Kerv’s sleek outer shell is made from zirconia technical ceramic, which is lightweight, hypoallergenic and one of the hardest and most scratch-resistant materials on the planet. NASA uses it. So do the guys that build nuclear reactors. And dentists. And surgeons. If it’s good enough for them, it’s good enough for us. Besides, it looks and feels fantastic, so we’d probably be using it anyway…

Zirconia ceramic ... mmm, shiny
Zirconia ceramic ... mmm, shiny

On the inside, Kerv is finished with a gorgeously lustrous, inert hard resin, forming a waterproof seal over the electronic components. The resin is contoured in a “comfort fit” profile, which means you can wear Kerv all day, every day and you’ll barely notice it’s there.

Kerv looks and feels just as good on the inside
Kerv looks and feels just as good on the inside

 Explore a 3D model of Kerv - just press play

Kerv's ergonomic contouring means it's about as comfortable as a ring can get
Kerv's ergonomic contouring means it's about as comfortable as a ring can get

Will you be making Kerv in my size?

Initially, we’ll be offering the ten most popular ring sizes – across both men and women – so we can accommodate the most people with this campaign. You can wear Kerv on any finger you like – including your thumb (or your toes, if you’ve got decent circus skills) – so one of them’s bound to fit somewhere!

We’ll be asking you all for your ring sizes after you’ve made your pledge, so if it turns out that there’s enough demand for sizes different to what we’re offering below, we’ll do our best to address it.

UK sizes: M, N, P, R, S, T, U, V, X, Y

See this handy ring size conversion chart to see how UK sizes translate to the rest of the world.

Meet Team Kerv

We're an experienced group with a successful track record, and we've been working together for many years.

Our experience covers the payments, digital, creative and electrical engineering industries, with a number of notable achievements to date:  

  • Acquiring relevant electronic money (e-money) licenses with the Financial Conduct Authority (FCA), UK
  • Securing principal membership of MasterCard
  • Passporting e-money licenses into Europe's 35 SEPA regions
  • UK launch of the first contactless payment watch
  • European launch of first ‘app controlled’ contactless payment solution for iPhone 3,4 & 5 (via third-party hardware)
  • Implementation of first NFC form factors (contactless watches and phones) to be accepted on Transport for London
  • Launching and managing payment programmes in 150+ countries 
  • Multiple consecutive Queen's Awards for Enterprise 
  • Numerous payment industry awards
And now, we're using all our experience and enthusiasm to bring you the next generation of payments, with Kerv - the world's first contactless payment ring.

Our journey

The greatest challenge in our journey (so far) has been designing an NFC antenna to work to payment industry standards – whilst fitting inside something as small as a ring. And not just any old ring – one that looks and feels good, too. Our first proof of concept worked really well, but it wasn't something you'd actually want to wear (which kind of defeated the object of the exercise).

Throughout the R&D process we were adamant that we were primarily designing a piece of wearable technology that you'd be proud to wear – rather than be embarrassed to be caught wearing. Our goal has always been to add functionality to fashion rather than the other way around. Nobody wants to wear ugly jewellery, it's as simple as that.

V1.0: ugly as a car park, but it worked
V1.0: ugly as a car park, but it worked
Early experiments with a flat-top ceramic profile, and resin on the outside
Early experiments with a flat-top ceramic profile, and resin on the outside
First mock-up samples with clear resin on the inside (look closely and you can see the pattern on the wood inlay we used to take the place of the electronics)
First mock-up samples with clear resin on the inside (look closely and you can see the pattern on the wood inlay we used to take the place of the electronics)
Finally – the right colour resin, in the right place, on the right ceramic shape!
Finally – the right colour resin, in the right place, on the right ceramic shape!

So where are you guys at with all this, then?

We've done most of the hard work already: engineering the NFC antenna, building the digital payments platform, designing the web interface and partnering with the right manufacturers, suppliers and organisations.  

The next step is to take Kerv to production. Components, tooling, manufacturing and assembly all add up (especially when making rings in multiple sizes) – and this is where this Kickstarter campaign comes in. It allows us to deliver mass production efficiently and without wastage.

Timeline

April 2014
An idea is born....

May 2014
Contactless payments ring proof of concept made

July 2014
Abandon the idea of using off-the-shelf NFC antennas – wrong size and shape

August 2014
NFC antenna design experiments begin

October 2014
Begin work on e-wallet UI and back-end payments platform

November 2014
Develop smaller, sleeker working ring prototype

December 2014
Present concept and strategy to MasterCard

February 2015
Finalise optimum NFC antenna design

May 2015
Receive first ceramic ring shell samples

July 2015
Build first batch of near production-ready rings

August 2015
Prototype rings evaluated at approved lab for testing against payment industry standards – all systems go!

September 25th 2015
LAUNCH KICKSTARTER CAMPAIGN! YAY!

October 26th 2015
Kickstarter campaign ends

November 2015
Complete first production batch for scheme certification

December 2015
Final production model testing, and application for scheme approval

January 2016
Place full order for components

March 2016
Complete first batch and ship to Early Birds

April 2016  
Complete assembly and fulfil Kickstarter rewards

How will you be using Kickstarter funds?

So far, we've personally covered the costs of development ourselves – but we can't cover the significant additional budget required for components, tooling, assembly and final testing and certification. We now need help to bring Kerv to life.

Stretch Goals - 90K Goal reached!!!

We've spent a lot of time thinking about stretch goals and asking individual backers. We considered various add-ons, but the feedback was overwhelming that people want the ring to wear and use. Our stretch goal is simple. 
If we reach £90k we'll introduce 6 additional interior colours (7 total)

Click to see the new Kerv colour options as interactive 3D models on our website
Click to see the new Kerv colour options as interactive 3D models on our website

Why Kickstarter?

We're launching Kerv on Kickstarter because we want to build a community that can take this journey with us, and that helps us continually improve our product and the account that goes with it. There's no better way of achieving this than with Kickstarter because, by its very nature, the platform attracts forward-thinking individuals, early adopters and passionate people who really want to help make cool stuff happen. If the above applies to you, then we want you on this journey with us – and everything we do will be all the better for having you aboard.

Delivery of Rewards

If our project is successfully funded, we will ask backers to choose the colour and size of their Kerv contactless payment ring. If you are not sure about the size, we will provide guidance on ring sizing. Any reward that contains a Kerv contactless payment ring will be dispatched via a postal method that will require signature on delivery.

Risks and challenges

When you're bringing a new product to market, you can't plan for the unexpected (especially when it's the first product of its kind), but you can certainly plan to mitigate the unexpected: we've run test batches using all the manufacturing and assembly processes involved (all in the UK); we've done shipping dry-runs with our suppliers and manufacturers in China; we've sourced and tested the electronic components, and we know their availability and lead times. We know how many rings we'll need to make if we reach our target on Kickstarter – and we know how to make them. Basically, we know who's doing what, how long it all takes and when it's all needed by to deliver on time and make you guys happy.

The primary risk is moving from test batches to large volume production runs. Kerv must consistently meet high technical standards to ensure it works first time, every time. We will need to test and verify that the high-volume assembly process maintains those standards. Any changes involved in the production process may delay our schedule, due to the requirement to re-test prior to resuming production.

We'll be keeping you up to date at every stage, backers, because this is a team effort – and you're an integral part of that team.

Learn about accountability on Kickstarter

FAQ

  • Yes, the app will be available on both iOS and Android. Although it will be a smoother experience, you don't require the app to be able to use the Kerv ring as all the functionality will also be available from the Kerv website (via secure account portal)

    Last updated:
  • You will be able to use the Kerv ring to make a contactless payment anywhere in the world that accepts contactless payments. The number of contactless terminals is growing rapidly. In 2017 it is estimated it will be 44.6m (was 6.7m in 2012)

    Last updated:
  • No the ring does not have a battery, nor does it ever need charging.
    This is not dissimilar to your debit or credit cards.

    Last updated:
  • The app and the ring are not directly connected to each other - hence there is no bluetooth connection etc. The app shows the status of the Kerv account, which shows details of all transactions, current balance, and options to configure the useage of the ring i.e. to enable or disable the ring to make transactions.

    Last updated:
  • You can report the ring lost or stolen 24/7 via the app, website, or phoneline. All funds on the account will be protected.

    Last updated:
  • The ring is issued to you personally - as it is a financial instrument, you need to be careful to look after it (as you would a credit or debit card). You can lock the ring (so no payments can be made with it) via the app, or website. You can also report it lost or stolen 24/7 and all your money would be protected.

    Last updated:
  • When you first register your Kerv ring, you will need to create an account. You can deposit funds to this account from a range of methods, including debit / credit card, bank transfer and other methods which will be specific to your country.
    You can also configure your account to request funds from a specific payment method, such as a debit card at the time of a transaction.
    You can set multiple funding methods, and the order in which funds are requested i.e.
    1) Debit card
    2) Credit card
    3) Bank account

    Last updated:
  • The end user will always be protected from fraudulent activity on their account and funds would be restored from any fraudulent activity.
    If fraud is discovered, it may be appropriate for us to replace your ring.

    Last updated:
  • We do not intend to charge our KS backers for a ring that needs to be replaced as a result of fraud, or is stolen.
    However, we reserve the right to limit the number of times we would offer a free replacement.

    Last updated:
  • We will support the following load methods:
    Debit card, bank transfer (free)
    Credit card, PayPal (these will have a fee to load)

    We will add additional load methods in the future and will announce them in due course. We will shortly be posting more information about the account functions and fees on our website.

    Last updated:
  • Any reward that includes a ring will be shipped from the UK by tracked postage, which will require signature on delivery. We felt this was important given this is a financial instrument.

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  • Yes each ring will have an expiry date, expected to be 3 years from the date of issue. You will be re-issued a new ring 30 days prior to expiry. As a Kickstarter backer, you will receive your new ring free of charge. (we will cover cost of postage).

    Last updated:
  • There are no monthly fees to keep the account open, use the app, or other services.
    There will be fees for some services, such as selected load methods (Paypal, credit card etc) but it will be possible to load the account and make transactions with it for free.

    Last updated:
  • You will be able to contact our customer services via: Facebook, Twitter, online chat, email and of course...good old fashioned phone.

    Last updated:

Support this project

  1. Select this reward

    Pledge £2 or more About $3.07

    KERV SUPERSTAR
    You'll get a MASSIVE heart-felt thank you from the Kerv Team! ♥ ♥ ♥

    Plus we'll add your name to the Kerv Backers' Hall of Fame, and keep you in the loop with all the latest Kerv happenings and shenanigans.

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    42 backers
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  2. Select this reward

    Pledge £12 or more About $18

    KERV SUPERSTAR PLUS
    As above, but with a limited edition Kerv Official Backer t-shirt – in black or white ... naturally.

    [Shipping: items not tracked]

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    Ships to Anywhere in the world
    Limited 16 backers
    £
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  3. Reward no longer available

    Pledge £25 or more About $38

    EARLY BIRD MEGA-SPECIAL
    One Kerv ring in black or white.

    + Limited edition Official Backer presentation box

    (Estimated retail price £49.99)
    [Shipping: items tracked]

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    Ships to Anywhere in the world
    Reward no longer available 500 backers
    £
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  4. Select this reward

    Pledge £35 or more About $54

    GET KERV
    One Kerv ring in black or white.

    + Limited edition Official Backer presentation box

    (Estimated retail price £49.99)
    [Shipping: items tracked]

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    Ships to Anywhere in the world
    866 backers
    £
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  5. Reward no longer available

    Pledge £50 or more About $77

    EARLY BIRD MEGA-SPECIAL
    KERV²
    Two Kerv rings in black and/or white.

    + Limited edition Official Backer presentation boxes

    (Estimated total retail price £99.98)
    [Shipping: items tracked]

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    Ships to Anywhere in the world
    Reward no longer available 500 backers
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  6. Select this reward

    Pledge £70 or more About $107

    KERV²
    Two Kerv rings in black and/or white.

    + Limited edition Official Backer presentation boxes

    (Estimated total retail price £99.98)
    [Shipping: items tracked]

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    Ships to Anywhere in the world
    96 backers
    £
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  7. Select this reward

    Pledge £95 or more About $146

    EARLY BIRD: FAMILY KERV
    A massive 4x Kerv rings in black and/or white.

    + Limited edition Official Backer presentation boxes

    (Estimated total retail price £199.96)
    [Shipping: items tracked]

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    Ships to Anywhere in the world
    Limited 68 backers
    £
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  8. Select this reward

    Pledge £125 or more About $192

    KERV BUNDLE BONANZA
    One Kerv ring in black or white.

    + Limited edition Official Backer presentation box

    + Limited edition Official Backer Kerv prepaid MasterCard

    + Limited edition Kerv Official Backer t-shirt (black or white)

    + Limited edition commemorative hardback book, documenting the development of Kerv in sketches, illustrations and photographs
    [Shipping: items tracked]

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    Limited 26 backers
    £
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  9. Select this reward

    Pledge £475 or more About $729

    KERV VIP PREVIEW & LAUNCH
    2x KERV BUNDLE BONANZA (see above)

    Plus join us at a launch party in London - meet the Kerv team, and receive your reward in person.

    Note: party invite for 2 people only - travel & accommodation not included

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    Limited 7 backers
    £
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  10. Select this reward

    Pledge £2,500 or more About $3,837

    ONLINE RETAILER BUNDLE: 100
    100x rings

    If you're an online retailer and you'd like to sell Kerv rings on your site, then you can pre-order them here and have exclusive first access.

    All ring sizes and colours available to your customers.

    We will manage shipping direct to your customer on your behalf.

    If you would like more than 100, please multiply your pledge accordingly

    Please message us for any questions.
    Note: you must have an established online store.

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Funding period

- (31 days)