Kima Network

Kima Network is the world's first infrastructure-agnostic, cross-ecosystem money transfer protocol, founded in 2021 and headquartered in Singapore. The company has built a universal settlement layer that enables seamless, atomic transfers across public blockchains, private blockchains, fiat bank accounts, stablecoins, CBDCs, and tokenized real-world assets—without relying on smart contracts, oracles, or token wrapping.

The protocol is designed for regulated financial institutions, fintechs, banks, and exchanges that need to settle transactions across fragmented ecosystems with compliance, speed, and security built into the protocol layer itself. Kima has been selected for high-profile institutional programs including the European Central Bank's Pioneers Partnership Programme, the Bank of Israel Digital Shekel Challenge, and Mastercard's Sandbox-as-a-Service initiative.

Core Products/Services

Kima's flagship offering is the Universal Payment Rail (UPR)—an atomic settlement infrastructure that connects any asset class or financial ecosystem in a single secure hop. The protocol eliminates intermediaries by replacing traditional correspondent banking, bridging, and escrow arrangements with a DLT-based settlement layer.

Key product components include:

• Kima Settlement Protocol: A blockchain built on the Cosmos SDK with a rotating warden committee, Threshold Signature Schemes (TSS), and Trusted Execution Environments (Intel SGX) for maximum security
• Kima SDK: A software development kit providing a transaction back-end server and a front-end React widget, enabling developers to integrate Kima's settlement capabilities into dApps and financial applications in either payment mode or bridge mode
• Kima API: A Web2-compatible API that connects directly to bank accounts, treasury systems, and enterprise backends—no rip-and-replace required
• LIMA AI Agent: An AI-powered liquidity management agent (Liquidity Management Algorithm) available on Telegram and X, providing real-time liquidity monitoring, yield opportunity identification, risk alerts, and dynamic incentive insights across multiple blockchains

Key Strengths

Kima's core technical differentiators set it apart from conventional bridge and interoperability protocols:

• No smart contracts: Eliminates the largest attack surface in DeFi—no bridge exploits, no oracle manipulation
• Asset and rail agnostic: Supports fiat, stablecoins, CBDCs, tokenized deposits, and crypto across 10+ blockchains including Ethereum, Solana, Polygon, BNB Chain, Avalanche, Arbitrum, Optimism, Base, TRON, and Berachain
• Compliance-first design: Native KYT (Know Your Transaction), audit trails, and regulatory integrations built into the protocol
• MPC vaults and TEE enclaves: Protected by quantum-resistant cryptography and multi-party computation
• Flexible deployment: On-premises, managed cloud, or hybrid—suitable for enterprise and institutional deployments
• White-label capability: Enables fintechs and financial institutions to deploy Kima's settlement infrastructure under their own brand

Notable Clients/Projects

• European Central Bank: Selected for the ECB Pioneers Partnership Programme for programmable payments with digital euros and impact finance
• Bank of Israel: Chosen for the Digital Shekel Challenge, demonstrating peer-to-peer DvP (Delivery versus Payment) without smart contracts
• Mastercard: Integration into Mastercard's Sandbox-as-a-Service, enabling stablecoin-powered (USDC/USDT) prepaid card top-ups directly from self-custody wallets across 200+ countries
• 40+ ecosystem partners including backing from Finsec (Mastercard FinSec Lab), Outlier Ventures, and Coin IX

Why Choose Kima

Kima addresses the fundamental settlement problem in digital finance: while transactions have gone digital, settlement remains fragmented, delayed, and dependent on costly intermediaries. By providing a single atomic rail across any asset class or ecosystem, Kima enables financial institutions and developers to build compliant, interoperable products without managing multiple bridges, custodians, or correspondent banks. Revenue is generated through transaction fees, SDK/API licensing to Web2 and Web3 developers, and collaboration with financial institutions on tokenized Real-World Asset (RWA) trading.