We’re often asked by the community how Kima is different from solutions, so let’s make it simple.

Other solutions, like LayerZero and Axelar focus on blockchain-to-blockchain communication. They pass messages or move wrapped tokens using smart contracts, bridges, and oracles.

Kima works at a different layer.

Kima connects the entire financial world (crypto networks, banks, cards, and fiat rails) and settles native value, not messages. No bridges. No wrapping. No smart contracts. No oracles. Which also means no bridge exploit risk.

In short:
LayerZero = message passing
Kima = real money movement and settlement

Did you know?

Fun fact, but the most popular stablecoin $USDT, is literally named after its purpose. The word “tether” means to tie something to a fixed point, in this case, $1 USD.

Launched in 2014 (originally as Realcoin), $USDT was created to give traders a stable asset that doesn’t move like $BTC or $ETH, making it easier to move money across crypto markets without banks.

Kima team positions Kima as a "settlement layer". But what does it mean?

Think of Kima as a universal payment rail connecting wallets, blockchains, banks, and apps. It securely moves value across any system.

With Kima, a wallet could send $USDT from Ethereum → Solana → a bank → a Web2 app in one seamless step. No bridges. No wrapping. No middlemen.

Found this infographic really inspiring, a great snapshot of how far stablecoin infrastructure has expanded, layer by layer, and how settlement layers like Kima are starting to tie it all together.

💱 Stablecoins processed ~US$27.6 trillion in transfer volume last year, exceeding the combined volumes of Visa and Mastercard based on available datasets comparing onchain activity with card network reports.

The scale demonstrates that stablecoins now function as a major global money rail, growing faster than the regulatory frameworks traditionally used to oversee payment systems.

As a result, regulators across regions are intervening, driven by concerns related to:

• consumer protection
• monetary sovereignty
• sanctions compliance
• systemic liquidity risk

📊 A comparison of regulatory approaches across the EU, US, UK, Singapore, Hong Kong, Japan, and the UAE shows convergence on three minimum regulatory requirements:

• 1:1 reserve backing with safe, liquid assets such as cash and short-term government securities
• Redemption at par, within legally defined timelines (ranging from one business day to five business days)
• Segregation and independent custody of reserve assets, separate from issuer funds

⚖️ Beyond this baseline, implementation diverges significantly:
- Some jurisdictions restrict issuance to banks or trust institutions, while others allow licensed non-bank issuers
- Eligible reserve assets differ, affecting liquidity and risk profiles
- Redemption timelines vary, shaping operational and liquidity requirements
- Cross-border use may be limited unless local authorisation standards are met

🔍 Disclosure and assurance
Most stablecoin issuers currently publish attestations or assurance opinions, rather than full-scope financial statement audits. These disclosures typically confirm balances at specific points in time and do not provide comprehensive audit coverage of systems and controls.

🌍 Regulatory direction
Major economies are no longer debating whether stablecoins should exist. They are defining what forms of stablecoins are permitted, through frameworks such as MiCA in the EU and proposed federal legislation in the US.

Global payments are no longer just about moving funds from one account to another.

• Customers expect to pay using the local options they already know and trust.
• Businesses expect cross-border payouts to be fast, reliable, and cost-efficient.
• Fintech platforms are expected to deliver all of this seamlessly.

To meet these expectations, modern payment infrastructure cannot rely on a single rail.

🏦 Bank transfers, card networks, digital wallets, and stablecoins need to operate within one unified system, not as isolated integrations.

The real complexity lies in handling speed, costs, foreign exchange, reconciliation, and regulatory compliance at the same time.

This is where Kima Network provides a clear advantage!

For companies operating globally, payments are no longer just backend infrastructure, they directly shape the user experience.

🚀 Crypto & Web3 Events in February

February is packed with major crypto, Web3, AI, and blockchain events around the world, bringing together builders, founders, and innovators shaping the next internet.

From Web Summit Qatar to Consensus Hong Kong, ETH Denver, and NEARCON, this month is all about connection, innovation, and real Web3 adoption.

📍 Which events are on your calendar?

🔍 We analyzed the Visa team’s latest insights on payment trends for 2026 and the direction is clear.

👀 Six trends shaping the future of payments:

➡️ Stablecoins come of age — evolving from speculative assets into trusted global payment rails.
➡️ Agentic commerce goes mainstream — AI agents act and transact on behalf of users.
➡️ Digital identity enters the AI era — biometrics and AI models counter increasingly sophisticated fraud.
➡️ Manual checkout fades away — one-click, frictionless payments become the norm.
➡️ Cash continues to decline — digital payments grow, especially in everyday micro-transactions.
➡️ Agility becomes non-negotiable — cloud-native infrastructure enables rapid innovation.

The common thread?
👉 Payments are becoming automated, programmable, and system-level.

At Kima, we see the same shift: the future will be built on infrastructure that connects systems seamlessly.

📚 Kima 101: What Is Kima?

Kima is the decentralized settlement layer that lets assets move across chains and into fiat without bridges, wrapping, or custodians.

Think: stablecoins to cards, crypto to wallets, cross-chain to real-world… all in a single, secure transaction.

Built for devs. Backed by patents. Powered by trust.

The "maximalism" era is fading. The future of crypto isn't just one chain, it’s a web of interconnected ecosystems.

🕸️ At Kima, we believe the ultimate goal is a world where users don't even know which chain they are using.

Crypto is moving past tokens toward systems. @​everyone

In this X Space with HTX, leaders from Kima Network, Stable, Midnight Foundation, Kaspa, and HTX Research share insights on infrastructure and interoperability.

🎥 Watch now:
👉 https://youtu.be/lCHTjEvNNpo

🚨 Starting in 1 Hour 🚨 @​everyone

🔥 X Space w/ HTX
From tokens ➝ systems.
From narratives ➝ real infrastructure.

🎙 Featuring voices from:
Kima Network • Stable • Midnight Fdn • Kaspa • HTX Research

🎧 Don’t miss the alpha:
👉 https://x.com/i/spaces/1lPKqvXynPYGb?s=20

🔥 X Space with HTX: From Tokens to Systems! @​everyone

Join the conversation with industry leaders:
- Tomer Warschauer Nuni — CMO, Kima Network
- Brian Mehler — CEO, Stable
- Scott Collen — VP Ecosystem, Midnight Foundation
- Kaspador — Kaspa Ambassador & Kasplex BD
- Chloe Zheng — Researcher, HTX Research

🎧 Tune in & catch the alpha:
👉 https://x.com/i/spaces/1lPKqvXynPYGb?s=20

💡 Stablecoins: More Than Just Crypto Buzzwords

They’re not all the same and they’re not just for DeFi.

🟣 Fiat-backed stablecoins like USDC and USDT bring compliance and auditability to the blockchain.
🟢 Decentralized stablecoins like DAI and GHO rely on smart contracts and crypto collateral for stability.

But the real value? Use cases like:

• Cross-border payments without banks
• On-chain collateral and settlements
• Payroll, B2B payments, and corporate treasury
• Micropayments, NFTs, and Web3 economies

At Kima, we help connect these stablecoins to both crypto and fiat systems - securely, seamlessly, and without smart contracts.

💡 What are stablecoins actually used for?
Spoiler: it's way more than just trading 🧵

🔹 Payments & Settlement
Fast, low-cost cross-border transactions, no banks needed. Perfect for payroll, B2B, and 24/7 financial flows.

🔹 Capital Markets
Used as collateral in DeFi, settlement for tokenized assets, and margin trading. Stablecoins are the glue of digital finance.

🔹 Treasury & Corporate
Great for managing liquidity, diversifying treasuries, and generating on-chain yield.

🔹 Emerging Markets
Access the digital dollar in high-inflation regions. Think savings, remittances, and digital wallets.

🔹 Web3 & Programmable Money
Powering NFTs, gaming, DAOs, and creator economies, stablecoins bring real value to on-chain experiences.

Kima helps bridge fiat and crypto rails, making these use cases more accessible and secure — no smart contracts, no bridges. Just smooth, universal settlement 💸🌍

🌐 What is Kima? (Explained Simply)

Kima is a decentralized settlement layer that lets money move directly between banks, cards, wallets, and blockchains - instantly, securely, and without bridges, custodians, or smart contracts.

Think of it like “USB-C for finance”: one connection that makes different systems finally speak the same language.

• What Kima enables

Bank → wallet: send EUR via bank transfer and receive stablecoins on-chain
Card → crypto: buy stablecoins and settle directly to a wallet
Chain → chain: move and swap value across ecosystems without bridges
Fiat ↔ crypto flows: payouts, remittances, top-ups, treasury, settlement

🔐 Why it’s different
Kima is built around atomic settlement (transactions complete fully or not at all) so there’s no “funds stuck in transit” and no fragile bridge risk.

🚀 Why it matters
Because the future isn’t “TradFi vs DeFi.” It’s one financial system where apps, banks, and blockchains can interact seamlessly and Kima is building the rail that makes that possible.

If you’re building payments, wallets, exchanges, or anything cross-border/cross-chain, Kima is the infrastructure layer to plug into.

🎉 New Year, new blocks!

What’s your #1 crypto resolution for 2026? 💭🚀

👇 Drop yours in the comments, let’s build better habits together!

(P.S. Our resolution at Kima? Make secure, fee-free, cross-ecosystem finance the new normal 💪)

🧠 Crypto Poll Time!

If you could magically fix one thing in Web3 overnight, what would it be? 🛠️✨

💸 Gas fees
🖥️ UX nightmares
🚨 Scams & rug pulls
🌐 Cross-chain chaos

Comment your pick 👇
(We’re obviously working on that last one at Kima 😉)

🚨 Stay Safe in Crypto, Kima Community!

Scammers are getting smarter, but so are we. 🧠 Here’s your quick checklist to stay protected in Web3:
⚫ DYOR (Always!)
⚫ Avoid shady links & fake airdrops
⚫ Never share personal info
⚫ Stick with trusted wallets & exchanges
⚫ If it sounds too good to be true, it probably is.

Let’s enjoy the future of finance without falling for the past’s mistakes. 💸🔒

Stablecoin vs. CBDC: What’s the Difference? 🤔

Though they may seem similar, stablecoins and CBDCs serve different purposes and are built on different foundations.

🔹 What is a Stablecoin?
A stablecoin is a type of cryptocurrency designed to maintain a stable value by being pegged to reserve assets like fiat currencies (USD, EUR), commodities (e.g., gold), or a basket of assets.

🔹 What is a CBDC?
A CBDC is a digital version of a national currency, issued and fully regulated by a country’s central bank. It’s legal tender in digital form - secure, stable, and government-backed.

📆 2026 To-Do List (Crypto Degens & Builders Edition)

☐ Finish 2025 taxes... maybe 😅
☐ Learn to explain “Smart Transactions” without scaring TradFi friends
☐ Onboard at least 3 normies to DeFi
☐ Remember: no bridges, no oracles, no gas fee rage
☐ Stay hydrated, touch grass, maybe even... go outside?

🎉 Hello Kima Community!

As we close in on the end of the year, the entire Kima team wants to send a big THANK YOU to every one of you, our partners, builders, supporters, and early believers.

From major protocol upgrades to new partnerships, AMAs, and community growth, 2025 has been an incredible ride, and none of it would be possible without YOU. 💙

We’ve got huge things planned for 2026 and we can’t wait to build it together.

Stay tuned, stay connected, and as always…
Let’s unify the future of finance. 🌍⚡

With appreciation, The Kima Team

🔮 New Year Fortune Time! 🎉
Let’s manifest some 2026 magic, Kima fam!

👇 Look at the word search below...
🔵 The first word you spot is what 2026 will bring you 💫
Love? Travel? Money? Growth? Luck?

Drop your word in the comments 👇
Let’s see what the future holds for the Kima community 🚀

🚫 No bridges. No smart contract risks.
Just fast, secure, cross-ecosystem transfers.

With Kima Network, TradFi meets DeFi seamlessly!
💸 Swap fiat, crypto & tokenized assets
⚡ Easy dev integration
🔐 Safer, smarter finance

🇮🇱 Great news from the Kima Team! We’re proud to be featured on Startup Nation Finder in their curated “Israeli Fintech Companies – Banking & Payments Landscape” watchlist! 💥

As we continue building the future of decentralized finance, it’s an honor to be recognized among Israel’s most impactful fintech innovators.

👉 Check out the full watchlist here:
https://finder.startupnationcentral.org/watchlist/J6XskxUi37UXObXecIQHdcA7ZjQDh0DryryyAaytAZJkYIEzMVecmZ

🎥 New Video Drop! @​everyone

Our 2025 Year-End AMA with Kima’s CEO Eitan Katz and CMO Tomer Warschauer Nuni is now live on YouTube! 🚀

Catch the full conversation where they:
- Reflect on Kima’s biggest milestones in 2025
- Reveal exciting new plans for 2026 👀
- Talk interoperability, fiat rails, DeFi growth & more

🎬 Watch now: https://youtu.be/Fbq3Oew_Pws
💬 Drop your thoughts or questions in the comments!

🎉 If Crypto Projects Were New Year Decorations...
(aka the Web3 party you wish you were invited to) 🪩✨

🥂 Bitcoin: the giant champagne bottle
It’s the original, the loudest pop, and everyone waits for it before doing anything.

🕯 Ethereum: The expensive scented candle
Sophisticated, moody, sometimes burns a little too much gas. Still classy.

🎈 BNB: The party decor
Always there, always functional, and somehow gets into every picture.

🎀 TON: The velvet rope
Exclusive, sleek, and quietly hosting a private VIP afterparty with Telegram users only.

🐶 Dogecoin: The party hat with googly eyes
No one planned for it, but it’s somehow on everyone’s head and having a great time.

💿 Litecoin: The disco ball
Shiny, old-school, still hanging up there spinning… and respected for being first on the dance floor.

🧨 Kima: The sparkler that lights everything else
Small, bright, connects every corner of the party, from the dance floor to the bank.

🎄 Merry Christmas, Kima Family! 🎁

This year, we’ve wrapped up something special for you…
🚨 Major Kima Upgrade Just Dropped!

You can now swap USDT/USDC ⇄ ETH & SOL, powered by Uniswap & Jupiter, with zero fees & no bridges. 🔥

• Developer-controlled fees (crypto & fiat)
• Smoother bank/fiat integration
• Stability upgrades

Kima is now faster, smarter, and more connected than ever.

And this is just the beginning 👀

Read more: https://medium.com/@kima_finance/major-kima-upgrade-cross-chain-swaps-developer-fees-and-improved-fiat-integrations-9073bcd22985?postPublishedType=initial

🎄 Merry Christmas, Kima Family! 🎁

As the snow (or sun!) settles and the year comes to a close, we want to send a warm thank you to our incredible community for riding with us through 2025.

From protocol upgrades to global events and new partnerships, none of it would’ve been possible without you. 💙

🎅 Wishing you a joyful holiday season filled with peace, love, and maybe even a little crypto magic. ✨

Let’s recharge, celebrate, and get ready, 2026 is going to be next level. 🚀

With love,
The Kima Team