Kima Cross-Ecosystem Settlement & On/Off-Ramp Infrastructure

Kima provides infrastructure-agnostic, cross-ecosystem atomic settlement for digital finance, enabling fiat on/off-ramp capabilities across any stablecoin and any chain in a single atomic hop—without smart contracts, oracles, or token wrapping.

Product Overview

Built on the Cosmos SDK with a rotating warden committee using Threshold Signature Schemes (TSS) and Trusted Execution Environments (Intel SGX), the Kima Settlement Protocol manages native liquidity pools on each integrated blockchain (Ethereum, Polygon, Solana, BNB Chain, Avalanche, Arbitrum, Optimism, Base, TRON, Berachain, and more). The Universal Payment Rail (UPR) supports instant Pay-In / Pay-Out (on/off-ramp) for fintechs, banks, exchanges, and Web3 applications via a single API, with built-in regional payment rail integrations and Delivery-versus-Payment (DvP) / Payment-versus-Payment (PvP) clearing for institutional treasury operations.

Key Features

• Atomic cross-chain settlement with no smart contracts, bridges, or oracles
• Single API covering fiat, stablecoins, CBDCs, and tokenized assets across 10+ blockchains
• Kima SDK with embeddable React widget (Payment Mode, Bridge Mode, Status Mode) and middleware back-end
• Credit card and bank transfer transaction support out of the box
• Native KYT (Know Your Transaction), audit trails, and compliance integrations built into the protocol
• MPC vaults and TEE enclaves with quantum-resistant cryptography
• White-label deployment for fintechs and financial institutions
• On-premises, managed cloud, or hybrid deployment options

Institutional Validation

Kima has been selected for the European Central Bank's Pioneers Partnership Programme, the Bank of Israel Digital Shekel Challenge, and Mastercard's Sandbox-as-a-Service initiative, demonstrating peer-to-peer settlement without smart contracts across 200+ countries.