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        <title><![CDATA[Stories by Kima on Medium]]></title>
        <description><![CDATA[Stories by Kima on Medium]]></description>
        <link>https://medium.com/@kima_finance?source=rss-e5008bc1056b------2</link>
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            <title>Stories by Kima on Medium</title>
            <link>https://medium.com/@kima_finance?source=rss-e5008bc1056b------2</link>
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        <lastBuildDate>Sat, 16 May 2026 22:25:32 GMT</lastBuildDate>
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            <title><![CDATA[Expanding the Interoperability Frontier: Bitcoin Swaps, Solana Optimizations, and Gasless EVM Flows]]></title>
            <link>https://medium.com/@kima_finance/expanding-the-interoperability-frontier-bitcoin-swaps-solana-optimizations-and-gasless-evm-flows-bf22f8bb1470?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/bf22f8bb1470</guid>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Fri, 13 Mar 2026 10:32:58 GMT</pubDate>
            <atom:updated>2026-03-13T10:32:58.876Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*lp3G2c7PeW3ehL6OdNiTkA.png" /></figure><p>At Kima Network, building seamless financial connectivity means constantly strengthening the underlying infrastructure. Today, we’re introducing several important upgrades that expand cross-chain capabilities, improve reliability, and enhance user experience across supported networks.</p><p>These updates include Bitcoin swap support with HTLC handling, a Solana validation fix, and Permit2 integration for gasless approvals on EVM chains.</p><h3>Native Bitcoin Support: Bypassing the “Wrapped” Barrier</h3><p>Kima now supports Bitcoin swaps, including full handling of Hash Time-Locked Contract (HTLC) parameters.</p><p>Unlike traditional cross-chain solutions that require users to rely on “Wrapped Bitcoin” (WBTC) or centralized intermediaries, Kima enables direct, programmable Bitcoin liquidity. By implementing HTLC parameter handling at the infrastructure level, we provide the security of Bitcoin’s scripting language with the flexibility of a modern DeFi ecosystem.</p><p>HTLCs are fundamental to secure Bitcoin-based cross-chain transactions. By implementing proper parameter handling, Kima enables:</p><ul><li>Zero Wrapping Risk: Transact with native BTC — no need to trust a mint/burn custodian or bridge-specific tokens.</li><li>Atomic Security: HTLCs ensure that swaps are either completed fully or refunded automatically, providing cryptographic guarantees.</li><li>Trust-Minimized Transfers: True peer-to-peer execution that brings Bitcoin’s deep liquidity into the multi-chain world without compromising its “not your keys, not your coins” ethos.</li></ul><p>This upgrade strengthens Kima’s ability to connect Bitcoin liquidity with broader multi-chain ecosystems without compromising security.</p><h3>Enhanced Solana Validation: Institutional-Grade Precision</h3><p>We’ve optimized our Solana observation engine to ensure 100% accuracy in validating outbound transaction amounts. By refining how the network monitors legacy swap data, Kima provides real-time accounting consistency — a critical requirement for high-volume institutional liquidity and cross-chain settlement.</p><p>The Result: Faster verification, zero discrepancies, and a more robust bridge for the $SOL ecosystem.</p><h3>Next-Gen UX: Permit2 &amp; Gasless Approvals</h3><p>We’ve integrated Permit2, the gold standard for secure, gasless token approvals on EVM chains.</p><p>Traditionally, users must sign two transactions (Approval + Swap), wasting time and gas. With Permit2, Kima streamlines this into a single, seamless flow.</p><p><strong>Key Benefits:</strong></p><ul><li>Lower Friction: One-click swaps significantly improve user conversion and retention.</li><li>Granular Security: Unlike “infinite approvals” that leave wallets vulnerable, Permit2 allows for time-bound, specific token permissions.</li><li>Cost Efficiency: Drastically reduce gas overhead on Ethereum, Polygon, and other EVM-compatible networks.</li></ul><h3>The Foundation for Scalable Cross-Chain Adoption</h3><p>These upgrades aren’t just incremental. They are foundational. By enabling Native Bitcoin utility, Solana precision, and EVM gasless flows, Kima is building the “Coordination Layer” the industry needs to move beyond fragmented liquidity.<br>We aren’t just connecting chains; we are building the secure, invisible rails that will power the next generation of global finance.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=bf22f8bb1470" width="1" height="1" alt="">]]></content:encoded>
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        <item>
            <title><![CDATA[Major Kima Upgrade: Cross-Chain Swaps, Developer Fees, and Improved Fiat Integrations]]></title>
            <link>https://medium.com/@kima_finance/major-kima-upgrade-cross-chain-swaps-developer-fees-and-improved-fiat-integrations-9073bcd22985?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/9073bcd22985</guid>
            <category><![CDATA[blockchain]]></category>
            <category><![CDATA[interoperability]]></category>
            <category><![CDATA[kima-network]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Wed, 24 Dec 2025 13:42:38 GMT</pubDate>
            <atom:updated>2025-12-24T13:42:38.532Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*p-CZq_Z_VKKkw-6VCHC29w.jpeg" /></figure><p>Kima Network is ending the year strong with a powerful upgrade that brings us one step closer to a fully unified financial system, bridging TradFi, DeFi, and everything in between.</p><p>This latest rollout introduces new token swap capabilities, custom fee controls for developers, and deeper integration with fiat payment infrastructure.</p><h3>Cross-Chain Swaps Just Got Bigger</h3><p>With this upgrade, users can now swap stablecoins (USDT/USDC) directly to and from:</p><ul><li>SOL on Solana</li><li>ETH on EVM chains</li></ul><p>This unlocks smoother value flows between major ecosystems, powered by deep liquidity from protocols like Jupiter and Uniswap, with more tokens and networks coming soon.</p><p>Swapping across chains and assets now feels like a native, single-step experience without bridges, oracles, or smart contracts. Just fast, secure, and zero-fee settlement.</p><h3>Developer Fee Control</h3><p>Builders, this one’s for you. Kima now offers custom fee settings on both fiat and crypto transactions. Whether you’re running a wallet, DEX, PSP, or a DeFi app, you can now:</p><ul><li>Define your own service fee logic</li><li>Monetize seamlessly while maintaining full transparency</li></ul><p>It’s flexibility and monetization without compromising on UX or compliance.</p><p>Please contact our devs when you’re ready to set up your fee schedule.</p><h3>Smoother Integration with Banks &amp; Fiat Providers</h3><p>A new transaction type has been introduced to streamline fiat payment flows. This enhancement improves how Kima integrates with traditional financial institutions, banks, and regulated fiat partners. It paves the way for:</p><ul><li>More reliable on/off-ramp operations</li><li>Simplified workflows for KYC/KYT-compliant partners</li><li>Better user experiences for fiat-to-crypto onboarding</li></ul><p>This update is critical for enabling real-world asset tokenization and institutional adoption.</p><h3>Under the Hood: Protocol Enhancements</h3><p>In addition to feature upgrades, the team has rolled out:</p><ul><li>Stability fixes</li><li>Performance optimizations</li><li>Improved developer tooling</li></ul><p>These updates apply across both Mainnet and Testnet, ensuring smoother performance and scalability as adoption ramps up.</p><h3>What’s Next?</h3><p>This is just the beginning.</p><p>With native swaps now live for ETH and SOL, developer fees in place, and stronger fiat rails, Kima is laying the foundation for massive growth in 2026. Expect more networks, assets, and partners to be added, with more announcements just around the corner.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=9073bcd22985" width="1" height="1" alt="">]]></content:encoded>
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        <item>
            <title><![CDATA[From Bank to Blockchain: Kima Enables Seamless EUR to EURC Transfers via SEPA]]></title>
            <link>https://medium.com/@kima_finance/from-bank-to-blockchain-kima-enables-seamless-eur-to-eurc-transfers-via-sepa-dbc2cb78548b?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/dbc2cb78548b</guid>
            <category><![CDATA[cryptocurrency]]></category>
            <category><![CDATA[banks]]></category>
            <category><![CDATA[crypto]]></category>
            <category><![CDATA[kima-network]]></category>
            <category><![CDATA[interoperability]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Thu, 04 Dec 2025 11:53:50 GMT</pubDate>
            <atom:updated>2025-12-04T11:53:50.917Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*ePOjgVXpIikFtKvO68zPvA.png" /></figure><p>Kima is proud to unveil a significant leap in blockchain and traditional finance interoperability: users can now convert SEPA bank transfers in euros (EUR) directly into EURC, Circle’s euro-backed stablecoin. This feature is not only a milestone for Kima, but it sets a new standard for bridging traditional banking infrastructure with on-chain finance.</p><h3>A Technological Breakthrough</h3><p>What makes this launch so notable is the underlying technology. Kima’s decentralized settlement protocol has achieved a seamless interface between Web2 banking APIs and blockchain-based digital assets. The result is a first-of-its-kind system where users can initiate a standard bank transfer and receive a stablecoin on-chain with atomic finality.</p><p>Here’s how the system works:</p><ul><li>Users initiate a <strong>SEPA bank transfer</strong> using their existing banking app or interface.</li><li><strong>Kima validators</strong> (using a patented framework for decentralized API access) orchestrate and verify the transaction in a trustless environment.</li><li>Once verified, the transaction is settled directly on-chain, where users receive <strong>EURC tokens</strong>. The entire process includes built-in compliance and finality mechanisms.</li></ul><p>This integration showcases the core of Kima’s innovation: the ability for a blockchain protocol to natively interact with traditional financial APIs. There are no wrapped assets, no custodians, and no middleware orchestration layers, just direct, protocol-level interaction.</p><h3>Why This Matters</h3><p>This feature isn’t simply about convenience or user experience. It signals a structural change in how the financial world can operate:</p><ul><li><strong>First implementation of its kind</strong>: Kima becomes the first blockchain protocol to directly settle SEPA bank transfers into a stablecoin on-chain.</li><li><strong>TradFi and DeFi, connected</strong>: For the first time, a user’s traditional bank account can interact directly with a blockchain protocol without custodians or centralized gateways.</li><li><strong>Protocol-level integration</strong>: Unlike traditional orchestrators or fintech wrappers, Kima achieves this through its native settlement infrastructure. This ensures compliance, atomicity, and transparency — by design.</li></ul><h3>A Glimpse into the Future</h3><p>Although this launch focuses specifically on EUR to EURC conversion, the implications are much broader. Kima’s settlement architecture is asset-agnostic. It supports a wide range of financial instruments, including:</p><ul><li>Other fiat currencies</li><li>Stablecoins</li><li>CBDCs</li><li>Tokenized deposit instruments</li></ul><p>For end-users, the process remains as familiar and seamless as a routine bank transfer. But underneath the surface, the protocol delivers regulatory-grade settlement infrastructure natively on-chain, making Kima a viable candidate for future integrations with financial institutions, payment providers, and public financial systems.</p><h3>Conclusion</h3><p>Kima’s new EUR→EURC on-ramp is a proof of concept for what modern finance can become. This launch bridges the gap between Web2 and Web3 in a way that’s practical, compliant, and scalable. As stablecoins and tokenized assets continue to evolve, Kima is uniquely positioned to serve as the settlement backbone connecting banks, wallets, and ecosystems around the world.</p><p>This is only the beginning.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=dbc2cb78548b" width="1" height="1" alt="">]]></content:encoded>
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            <title><![CDATA[Kima x USD1: Expanding Stablecoin Interoperability Across Chains]]></title>
            <link>https://medium.com/@kima_finance/kima-x-usd1-expanding-stablecoin-interoperability-across-chains-e8ba6943354c?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/e8ba6943354c</guid>
            <category><![CDATA[blockchain]]></category>
            <category><![CDATA[kima-network]]></category>
            <category><![CDATA[usd1]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Mon, 01 Dec 2025 14:14:12 GMT</pubDate>
            <atom:updated>2025-12-01T14:14:12.500Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*aiBNmb_gp9OQbfDUfmck0g.jpeg" /></figure><p>Kima Network is proud to announce native support for USD1, a next-generation USD-backed stablecoin, now integrated into our settlement layer with the release of Kima SDK v1.5.</p><p>This milestone strengthens Kima’s role as the connective tissue between traditional finance, decentralized ecosystems, and emerging digital assets, giving developers, institutions, and users seamless access to new liquidity and payment options.</p><h3>Why USD1 Matters</h3><p>Stablecoins are the backbone of modern on-chain finance. By supporting USD1 on Ethereum, Solana, and Base, Kima makes it possible for users to:</p><ul><li>Swap USD1 with other top stablecoins (USDT, USDC, EURC) instantly.</li><li>On-ramp directly from bank transfers (SEPA → USD1) without friction.</li><li>Transact cross-chain with compliance and atomic settlement built in.</li></ul><p>Unlike wrapped assets or custodial bridges, USD1 gains direct interoperability at the protocol level through Kima’s decentralized validators, ensuring every transfer is secure, final, and trustless.</p><h3>Kima SDK v1.5: Unlocking New Rails</h3><p>USD1 support comes as part of Kima’s broader SDK upgrade, which also introduced:</p><ul><li><strong>Bank transfers as origin rails</strong> (EUR → stablecoins via SEPA).</li><li><strong>Unified FIAT flows</strong> (Bank + Credit Card streamlined).</li><li><strong>New stablecoin integrations</strong> including EURC and upcoming FRNT.</li><li><strong>Stricter compliance features</strong> for safe, regulator-ready transactions.</li></ul><p>For developers, this means one integration point with Kima’s SDK opens the door to a wider universe of stablecoins, fiat rails, and cross-chain swaps.</p><h3>Building the Future of Interoperable Finance</h3><p>With USD1 now live on Kima, the settlement layer becomes even more powerful:</p><ul><li><strong>Users</strong> gain more choice in how they pay, swap, and settle.</li><li><strong>Institutions</strong> can integrate USD1 into regulated payment flows.</li><li><strong>Developers</strong> can build apps that bridge ecosystems without intermediaries.</li></ul><p>USD1 is more than just another stablecoin on the list, it represents Kima’s vision of an asset-agnostic, compliant settlement layer where TradFi and DeFi converge seamlessly.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=e8ba6943354c" width="1" height="1" alt="">]]></content:encoded>
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        <item>
            <title><![CDATA[Kima x Mintlayer: Expanding Bitcoin-Powered Interoperability]]></title>
            <link>https://medium.com/@kima_finance/kima-x-mintlayer-expanding-bitcoin-powered-interoperability-3445fdd0184d?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/3445fdd0184d</guid>
            <category><![CDATA[bitcoin]]></category>
            <category><![CDATA[kima-network]]></category>
            <category><![CDATA[interoperability]]></category>
            <category><![CDATA[blockchain]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Fri, 28 Nov 2025 18:36:47 GMT</pubDate>
            <atom:updated>2025-11-28T18:36:47.775Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*LzZZ1_4CmYWeRdtVM_NiZA.jpeg" /></figure><p>We’re excited to announce a new partnership between <strong>Kima Network</strong> and <strong>Mintlayer</strong>, a Bitcoin Layer-2 protocol built to unlock real-world financial use cases and institutional-grade DeFi on top of the Bitcoin ecosystem.</p><p>Together, Kima and Mintlayer are joining forces to extend interoperability between Bitcoin-native assets and the broader financial world, combining Kima’s seamless settlement infrastructure with Mintlayer’s secure, scalable Bitcoin framework.</p><h3>About Mintlayer</h3><p>Mintlayer is a Bitcoin Layer-2 protocol and infrastructure company focused on making native BTC interoperable with real-world finance. Their ecosystem includes:</p><ul><li>Native BTC atomic swaps (no wrapped assets or bridges)</li><li>No-code tokenization for assets like stocks, real estate, and bonds</li><li>Regulated yield access through their Interest.One product</li><li>Scalable L2 + ZK Thunder Layer 3 stack with EVM compatibility</li></ul><p>With a mission to empower Bitcoin holders and developers alike, Mintlayer is building the next evolution of decentralized finance with Bitcoin at its core.</p><h3>About the Partnership</h3><p>This partnership between Kima Network and Mintlayer will focus on unlocking deeper connectivity between Bitcoin-based applications and multi-asset settlement infrastructure. Through this collaboration, the two teams will work together on ecosystem alignment, technical exploration, and joint opportunities to scale secure, real-world financial use cases built on Bitcoin and beyond.</p><h3>About Kima Network</h3><p>Kima Network is a decentralized, asset-agnostic settlement protocol purpose-built to connect fragmented financial ecosystems. With a mission to unify blockchain, fiat, and traditional financial systems, Kima introduces the concept of the Smart Transaction, a new primitive that makes cross-ecosystem, interchain transactions seamless and secure.</p><p>Through an easy-to-use SDK, developers can integrate fiat-to-crypto payments, cross-chain swaps, peer-to-peer commerce, and omnichannel wallet access with zero reliance on smart contracts.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=3445fdd0184d" width="1" height="1" alt="">]]></content:encoded>
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        <item>
            <title><![CDATA[Kima in the Digital Euro Innovation Platform by European Central Bank]]></title>
            <link>https://medium.com/@kima_finance/kima-in-the-digital-euro-innovation-platform-by-european-central-bank-1fb1bb87b817?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/1fb1bb87b817</guid>
            <category><![CDATA[kima-network]]></category>
            <category><![CDATA[interoperability]]></category>
            <category><![CDATA[cbse]]></category>
            <category><![CDATA[european-central-bank]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Tue, 18 Nov 2025 10:20:45 GMT</pubDate>
            <atom:updated>2025-11-18T10:20:45.531Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*9cOHttyBs_ROiBL3O8OoSA.jpeg" /></figure><p><em>Kima showcases a trusted settlement fabric for the Digital Euro era: Its seamless atomic settlement adds new levels of programmability across real world events, fiat money and digital assets.</em></p><h3>Unlocking the Future of Public Finance with the<br>Digital Euro</h3><p>Recently, the European Central Bank <a href="https://www.ecb.europa.eu/euro/digital_euro/timeline/profuse/shared/pdf/ecb.deprep250926_innovationplatform.en.pdf">released the outcome report</a> of its Digital Euro Innovation Platform, highlighting how “visionaries” and “pioneers” from across the financial ecosystem came together to explore the possibilities of programmable payments.</p><p>Among the key themes was <a href="https://www.ecb.europa.eu/euro/digital_euro/timeline/profuse/shared/pdf/ecb.deprep250926_innovationplatform.en.pdf#page=23">conditional payments</a> — transactions that are triggered only when specific conditions are met, such as delivery of goods or achievement of milestones. These capabilities, tested by market pioneers, are seen as a catalyst for innovation in retail, business-to-business, and public-sector finance .</p><p>At Kima, we are proud to <a href="https://www.ecb.europa.eu/euro/digital_euro/timeline/profuse/shared/pdf/ecb.deprep250926_innovationplatform.en.pdf#page=38">have been selected</a> as a pioneer participant, where our team had the opportunity to <a href="https://drive.google.com/file/d/16z88h8igJVd7lpmW-t-m_b8oYtVq7I3J/view">demonstrate how the Digital Euro can power programmable, outcome-based funding models</a>.</p><p>Using our patented decentralized escrow protocol, we built and tested an end-to-end solution for Pay-for-Success (PFS) Social Impact Bonds, a financial instrument that links public funding to verified outcomes such as affordable housing projects.</p><p>Here’s what we showcased in the pilot:</p><p>●<strong> Bond Marketplace: </strong>Impact investors could purchase PFS bonds directly, with transactions settled in simulated Digital Euro via ECB-provided APIs.</p><p>● <strong>Developer Payout Application:</strong> Property developers requested milestone-based funding, with disbursements released only after project milestones were verified through trusted Webhook calls.</p><p>● <strong>Decentralized Escrow:</strong> All funds were held securely on Kima’s settlement layer, orchestrated by validators using MPC, TSS, and TEE technology, ensuring that no single party had unilateral control.</p><p>● <strong>Conditional Disbursement:</strong> When milestones were achieved (e.g., land secured, foundation laid, units completed), Kima’s protocol automatically released funds to developers’ wallets. Every step was immutably logged on-chain for full transparency .</p><p>This experiment illustrates how public funding can become programmable, transparent, and efficient — disbursed only when results are achieved, without intermediaries or manual reconciliation. It is a powerful proof point for how combining tokenized public money with decentralized settlement infrastructure can modernize the way governments and institutions finance social impact projects.</p><p>The broader significance is clear:</p><p>● <strong>For the ECB,</strong> conditional payments represent a foundation for innovation, ensuring trust and scalability of the digital euro across the euro area .<br>● <strong>For governments,</strong> programmable bonds and milestone-based disbursements can transform how social impact and infrastructure projects are financed.<br>●<strong> For the market,</strong> this points to entirely new categories of financial instruments and services that were previously too complex to execute at scale.</p><p>As the <a href="https://www.ecb.europa.eu/euro/digital_euro/timeline/profuse/shared/pdf/ecb.deprep250926_innovationplatform.en.pdf">ECB’s report underlines</a>, early experimentation is critical to ensure the digital euro meets real-world needs. We believe the pilot demonstrated that interoperable, asset-agnostic infrastructure like Kima can provide the connective tissue for these next-generation applications, from impact finance to enterprise treasury and beyond.</p><p>We look forward to continuing this journey with central banks, financial institutions, and ecosystem partners — building the foundations of programmable public finance in Europe.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=1fb1bb87b817" width="1" height="1" alt="">]]></content:encoded>
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        <item>
            <title><![CDATA[Kima Labs and Mocasa Forge Strategic Partnership to Revolutionize Southeast Asia’s Buy Now, Pay…]]></title>
            <link>https://medium.com/@kima_finance/kima-labs-and-mocasa-forge-strategic-partnership-to-revolutionize-southeast-asias-buy-now-pay-07228df6f607?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/07228df6f607</guid>
            <category><![CDATA[defi]]></category>
            <category><![CDATA[blockchain]]></category>
            <category><![CDATA[bitcoin]]></category>
            <category><![CDATA[interoperability]]></category>
            <category><![CDATA[bnpl]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Wed, 05 Nov 2025 09:52:16 GMT</pubDate>
            <atom:updated>2025-11-05T09:52:16.413Z</atom:updated>
            <content:encoded><![CDATA[<h3><strong>Kima Labs and Mocasa Forge Strategic Partnership to Revolutionize Southeast Asia’s Buy Now, Pay Later (BNPL) Market with DeFi Liquidity</strong></h3><figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*TuNbw8OXgLaJM1BYI69U4g.png" /></figure><p>November 5, 2025 — Kima Labs, the developer of a pioneering decentralized settlement protocol, and <a href="https://mocasa.com/">Mocasa</a>, a leading Buy Now, Pay Later (BNPL) provider in Southeast Asia, today announced a landmark partnership set to integrate decentralized finance with mainstream consumer credit. This collaboration will unlock new institutional-grade liquidity for the BNPL sector.</p><p>The partnership will directly address the growing demand for accessible consumer credit in Southeast Asia by connecting Mocasa’s established BNPL platform with Kima’s innovative cross-ecosystem settlement infrastructure. The initial phase will focus on creating decentralized liquidity pools to fund Mocasa’s lending operations, enabling more efficient and scalable financing.</p><p>A key objective is the tokenization of BNPL receivables. This process will transform consumer loans into standardized, on-chain investment products, opening the door for both institutional and DeFi investors to participate in a new, yield-generating asset class. The collaboration aims to scale its Total Value Locked (TVL) to over $100 million within two years, demonstrating a powerful new model for financial inclusion and capital efficiency.</p><p>The partnership is already underway with a proof-of-concept to validate the technical and compliance frameworks. This initial phase utilizes a Kima-funded vault to test live disbursement and repayment cycles through Kima’s atomic settlement layer.</p><blockquote>“This partnership is a pivotal moment where the promise of DeFi meets the tangible needs of the real world,” <strong><em>said Eitan Katz, CEO of Kima Labs.</em></strong> “By bridging DeFi liquidity with consumer finance, we are building a more open, efficient, and borderless credit infrastructure. We are thrilled to partner with Mocasa to bring this vision to life.”</blockquote><blockquote><strong><em>Robin Wong, CEO of Mocasa, commented, </em></strong>“The demand for BNPL services in Southeast Asia is accelerating, and our collaboration with Kima allows us to meet this demand with unprecedented scale and efficiency. By leveraging DeFi, we are not just accessing a new source of capital; we are pioneering the future of consumer finance in the region.”</blockquote><p>This strategic alliance signifies a major step forward in merging traditional financial technology with the decentralized web, creating a scalable and transparent model for the future of lending.</p><h3>About Kima Labs</h3><p>Kima Labs is the developer of the Kima Network decentralized settlement protocol designed to connect traditional financial (TradFi) and decentralized financial (DeFi) ecosystems. Its unique universal, cross-ecosystem settlement layer enables real-time, compliant transactions for financial institutions, fintechs, and payment platforms worldwide.</p><h3>About Mocasa</h3><p>Mocasa (Puretek Group Limited) is a premier Buy Now, Pay Later (BNPL) platform with significant operations in the Philippines and across Southeast Asia. By providing accessible and flexible credit solutions, Mocasa empowers consumers and drives growth for merchants in one of the world’s fastest-growing digital economies.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=07228df6f607" width="1" height="1" alt="">]]></content:encoded>
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            <title><![CDATA[Kima Team Answers Community Questions]]></title>
            <link>https://medium.com/@kima_finance/kima-team-answers-community-questions-7651d69ae6b6?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/7651d69ae6b6</guid>
            <category><![CDATA[interoperability]]></category>
            <category><![CDATA[banks]]></category>
            <category><![CDATA[bitcoin]]></category>
            <category><![CDATA[cryptocurrency]]></category>
            <category><![CDATA[blockchain]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Tue, 04 Nov 2025 08:44:39 GMT</pubDate>
            <atom:updated>2025-11-04T08:44:39.464Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*RTcHLoY62o6rWo2QOgJLYQ.jpeg" /></figure><h3>1. Is Kima a wallet?</h3><p>No , Kima is not a wallet. Kima is the settlement layer that enables assets to move securely between any wallets, blockchains, or even banks.</p><p>Think of Kima as a universal payment rail connecting wallets, chains, banks, apps, and dApps , effectively linking the <em>entire financial world</em> into one unified system. It allows value ( whether crypto, fiat, RWA, CBDCs, or other assets) to move instantly and securely across financial ecosystems without middlemen or bridge risks, making transfers seamless and highly secure.</p><p>In short, Kima can settle any asset to any asset (crypto, stablecoin, or fiat) across any technology, chain, or payment rail.</p><p>Example: A wallet like MetaMask can send, receive, buy, or sell tokens on supported networks. With Kima, that same wallet could send USDT from Ethereum → to Solana → to a bank account → to a Web2 app (that accepts crypto payments) all in one secure step, with no bridges or wrapping.</p><h3>2. Five Partnerships with the biggest impact on Kima’s token growth</h3><p>These partnerships form Kima’s strategic pillars , each driving real utility, transaction volume, and $KIMA token demand:</p><ul><li><strong>Mastercard Innovation Lab</strong> : Enables stablecoin-powered card payments using Kima’s rails. Every transaction generates fee revenue → fueling $KIMA buybacks.</li><li><strong>European Central Bank (ECB) Pioneers Program </strong>: Validates Kima’s infrastructure for future CBDC settlements, strengthening institutional trust and regulatory credibility.<br> → In June 2025, Kima completed a pilot program in the ECB’s sandbox for the Digital Euro.</li><li><strong>CBI (Commercial Bank International)</strong>: Partnering with banks to power remittance services in multiple countries (Fiat ↔ Fiat).</li><li><strong>Bank of Israel:</strong> Demonstrated Delivery versus Payment (DvP) transactions between CBDC and tokenized stocks, followed by an off-ramp.</li><li><strong>Major Asian Fintech</strong> : Kima has signed an MOU with one of Asia’s largest fintech companies (announcement pending).</li><li><strong>ChainGPT Launchpad :</strong> Kima powers cross-chain and credit card participation in launchpads → increasing direct transaction volume across multiple blockchains.</li><li><strong>stabble Finance</strong> : A stablecoin DEX leveraging Kima for cross-chain liquidity, boosting stablecoin flow and fee generation.</li></ul><p>Each partnership directly increases transaction throughput, fueling token velocity and fee-based buybacks, which in turn drives $KIMA demand.</p><h3>3. Will Kima support non-EVM chains soon?</h3><p>Yes. Kima already supports Solana and Tron, and is actively integrating TON, Sui, SEI, and several others in the near future.</p><h3>4. Was the ECB Program a success?</h3><p>Absolutely. Kima successfully completed its pilot phase in the European Central Bank’s “Digital Euro Innovation Platform”, showcasing secure, compliant settlement between digital euros and stablecoins. This was a major credibility milestone, proving Kima’s protocol can serve as the settlement layer for future CBDC infrastructure in Europe and beyond.</p><p>🔗<a href="https://www.ecb.europa.eu/euro/digital_euro/timeline/profuse/shared/pdf/ecb.deprep250926_innovationplatform.en.pdf"> ECB Digital Euro Innovation Platform Reference (PDF)</a></p><h3>5. How does Kima compare to LayerZero or Axelar?</h3><p>LayerZero and Axelar connect blockchains to blockchains, passing messages or wrapped tokens via smart contracts and bridges. Kima, on the other hand, connects the entire financial world ( crypto networks, banks, cards, and fiat rails ) and settles native value, not messages.</p><p>With Kima, there are no bridges, no oracles, no smart contracts , which means no exploit risk.</p><p>In short:</p><ul><li>LayerZero = message passing</li><li>Kima = real money movement and settlement</li></ul><h3>6. Next partnership targets &amp; their impact</h3><p>Kima is now expanding by connecting with major banks, blockchains, DeFi platforms, and Web2 companies, capable of processing billions of daily transactions.</p><p>While specific names cannot be disclosed due to ongoing MOUs, each new integration means:<br> → More transactions settled via Kima → More fees collected → More $KIMA buybacks → Higher token demand.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=7651d69ae6b6" width="1" height="1" alt="">]]></content:encoded>
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            <title><![CDATA[Kima SDK v1.5: Powering Seamless Bank-to-Blockchain Interoperability]]></title>
            <link>https://medium.com/@kima_finance/kima-sdk-v1-5-powering-seamless-bank-to-blockchain-interoperability-83c507bab1bf?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/83c507bab1bf</guid>
            <category><![CDATA[interoperability]]></category>
            <category><![CDATA[kima-network]]></category>
            <category><![CDATA[bank-transfer]]></category>
            <category><![CDATA[banks]]></category>
            <category><![CDATA[fiat]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Wed, 29 Oct 2025 13:51:26 GMT</pubDate>
            <atom:updated>2025-10-29T13:51:26.194Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*-XmAAv7QomNmYtuGBuADJg.jpeg" /></figure><p>We’re excited to announce that Kima SDK v1.5 is live, bringing powerful new capabilities to developers, exchanges, and enterprises building on Kima’s settlement layer. This release unlocks bank on-ramps, adds support for USD/EUR swaps, adds support for EURC, USD, and FRNT (when it launches), enhances safety, and simplifies cross-chain experiences, all while maintaining Kima’s core values of atomic settlement, compliance, and security.</p><p>With this upgrade, all SDK users are required to migrate to v1.5, as older payloads will no longer be supported once new validation rules are in place.</p><h3>What’s New in Kima SDK v1.5</h3><h3>1. Bank transfers as an origin rail</h3><p>For the first time, developers can integrate bank transfers (SEPA) directly as on-ramps into crypto. Users can move funds from EUR to stablecoins like USDC, USDT, and USD1 without friction.</p><h3>2. Unified fiat rails handling</h3><p>Whether the origin is a bank or a credit card, Kima now normalizes both into a single FIAT rail within the settlement flow. This simplifies development and ensures consistent handling of fiat-origin transactions.</p><h3>3. New stable coins supported</h3><p>Kima just added support for 3 new stable coins:</p><ol><li>EURC — our first Euro-pegged stable coin, on Ethereum, Solana, Base and Avalanche.</li><li>USD1 on Ethereum, Solana and Base.</li><li>FRNT — to be announced (pending official roll-out).</li></ol><h3>4. On-Chain stable token swaps</h3><p>A new swap feature enables on-chain swaps across supported stablecoins (USDT, USDC, EURC, and USD1), spanning Ethereum, Solana, and Base.</p><h3>5. Stricter, safer options contract</h3><p>The “options” field submitted between frontend, backend, and blockchain now requires stringified JSON and enforces stricter validation. This ensures fiat transactions carry all the necessary compliance proofs (like <em>transactionIdSeed</em> and <em>signatures</em>) while preventing errors caused by malformed payloads.</p><h3>Documentation</h3><p>Full technical details, code samples, and migration notes are available in the official docs:</p><p><a href="https://docs.kima.network/kima-network/the-kima-sdk/upgrading/v1.5">Kima SDK v1.5 Documentation</a></p><h3>Why this matters</h3><p>Kima SDK v1.5 represents another step toward bridging TradFi and DeFi in a secure, compliant, and developer-friendly way. With bank transfers as an on-ramp, stricter options handling, and simplified fiat flows, we’re making it easier than ever for builders to connect users across ecosystems without intermediaries, bridges, or custodians.</p><p>The future of interoperable finance is being built now. And with SDK v1.5, you can be part of it.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=83c507bab1bf" width="1" height="1" alt="">]]></content:encoded>
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            <title><![CDATA[Kima On-Ramp: The First Atomic Settlement Rail Between Fiat and Blockchain]]></title>
            <link>https://medium.com/@kima_finance/kima-on-ramp-the-first-atomic-settlement-rail-between-fiat-and-blockchain-6f0252ab4292?source=rss-e5008bc1056b------2</link>
            <guid isPermaLink="false">https://medium.com/p/6f0252ab4292</guid>
            <category><![CDATA[cryptocurrency]]></category>
            <category><![CDATA[fiat]]></category>
            <category><![CDATA[banking]]></category>
            <category><![CDATA[fiat-onramp]]></category>
            <category><![CDATA[kima-network]]></category>
            <dc:creator><![CDATA[Kima]]></dc:creator>
            <pubDate>Mon, 27 Oct 2025 13:48:38 GMT</pubDate>
            <atom:updated>2025-10-27T13:48:38.995Z</atom:updated>
            <content:encoded><![CDATA[<figure><img alt="" src="https://cdn-images-1.medium.com/max/1024/1*Et74IWyb5t9NzXQvG2urqw.jpeg" /></figure><p>In the world of decentralized finance, bridging traditional money systems with blockchain ecosystems has long been considered one of the industry’s hardest challenges. Even as DeFi infrastructure matured, bridging fiat and crypto remained one of the industry’s most persistent gaps. The reason is simple: until now, true on-chain settlement from fiat sources like credit cards required a patchwork of intermediaries, duplicative compliance steps, costly third-party services, and unavoidable delays.</p><p>Kima has changed that.</p><p>With the launch of Kima On-Ramp, the financial and Web3 communities are witnessing a historic breakthrough: the first-ever protocol-level solution enabling atomic settlement between fiat payments and blockchain-based stablecoins all in a single, direct transaction.</p><h3>Cracking What Was Once “Impossible”</h3><p>For years, a direct flow between Visa or Mastercard and an on-chain stablecoin wallet was regarded as unachievable in any meaningful, decentralized way. Existing solutions relied on custodial accounts, complex redirections, synthetic token representations, or lengthy orchestration across APIs. These not only created high costs and friction but also raised compliance and security risks. The result was a user experience far from the seamless experience expected from financial systems.</p><p>Kima’s On-Ramp reverses that paradigm. By embedding fiat access directly into the Kima protocol, developers can now enable fiat payments that resolve in real-time, directly to user wallets across supported blockchains. No wrapping. No bridges. No escrow delays. Just a final, cryptographically secure settlement.</p><p>It’s the first time fiat-to-crypto can happen as a single, final transaction, natively.”</p><h3>Not a Widget, a New Rail!</h3><p>Kima On-Ramp is not an auxiliary widget or a third-party plug-in. It is a native component of Kima’s broader cross-chain settlement protocol. Designed from the ground up for developers, it abstracts away the fragmentation typically seen in fiat-to-crypto infrastructure.</p><p>Users can purchase stablecoins like USDC or USDT using their credit card and receive them in seconds on the blockchain of their choice: Ethereum, Avalanche, and other networks integrated with Kima. This interaction is fully self-contained: no external pop-ups, no off-platform KYC flows, no hidden custodianship.</p><p>“Compliance is embedded at the protocol layer through integrations with KYC, AML, and KYT providers — without adding friction or risk.” For developers, it means a single SDK or API can embed fiat-to-crypto onboarding with full compliance, global reach, and near-instant conversion.</p><h3>Why This Matters</h3><p>This new architecture has a powerful impact across the whole ecosystem.</p><p>App developers can now trigger fiat-based settlements without opaque intermediaries or orchestration layers. Merchants can accept card payments and receive settlement directly on-chain, without waiting for delayed clearing or batch processing. Wallet users can top up with stablecoins in seconds, without needing to visit an exchange or pass through multiple third-party services.</p><p>Most importantly, costs drop dramatically. By eliminating traditional intermediaries and replacing legacy payment rails with cryptographic finality, Kima On-Ramp enables transaction fees that are not only lower but transparently priced and sustainable, meeting both user expectations and developer needs.</p><h3>A New Foundation for the Financial Internet</h3><p>Kima On-Ramp is a foundational shift in how financial flows can be built. What began as a bold question “Can fiat-to-crypto settlement happen natively, atomically, and at scale?” has been answered with a working, live infrastructure.</p><p>DeFi apps, fintech platforms, embedded finance providers, and cross-border payment builders now have access to an entirely new capability: direct, programmable money movement between fiat systems and blockchain economies.</p><h3>Conclusion: Beyond On-Ramping</h3><p>The label “on-ramp” doesn’t quite capture what Kima has introduced. This is not a narrow gateway; it’s a new financial rail that merges the reach of traditional payments with the programmable potential of Web3.</p><p>What was once seen as impossible is now not only possible, but live!</p><p>For those building the next generation of financial products, the infrastructure is ready.</p><img src="https://medium.com/_/stat?event=post.clientViewed&referrerSource=full_rss&postId=6f0252ab4292" width="1" height="1" alt="">]]></content:encoded>
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