What Kima Network does

Kima Network is a blockchain infrastructure company building a decentralized settlement protocol that connects traditional and digital assets, including fiat, stablecoins, CBDCs, and tokenized real-world assets, across multiple blockchain networks. The protocol is built on Cosmos SDK with a committee-based consensus mechanism and uses Threshold Signature Schemes executed inside Trusted Execution Environments (Intel SGX) with Light Client validation, deliberately eliminating smart contracts, bridges, oracles, and external relayers to reduce attack surfaces. Its product suite comprises the Universal Payment Rail (UPR) for cross-ecosystem transfers, Liquidity as a Service (LaaS), Delivery-Backed Settlement (DvP) for atomic swaps, the Universal Message Conduit (UMC) for Web2/Web3 data exchange, and a single SDK/API for developer integration.

The company targets regulated institutions, primarily fintechs, banks, exchanges, and central banks, and reports engagements with the European Central Bank (Digital Euro), the Bank of Israel (Digital Shekel Challenge), and Mastercard's FinSec Lab (DeFi credit card project backed by the Israel Innovation Authority). Kima is incorporated as Kima Foundation in Singapore with operations rooted in Israel, has raised approximately $5 million in disclosed funding (co-led by Blockchange and Mastercard FinSec Lab in 2023, supplemented by undisclosed 2024 strategic investments from Connectico Capital and YAY Network), and operates a 11-50 person team. The native KIMA token has not yet launched, revenue is not publicly disclosed, and pricing is quote-based enterprise rather than published tiers.

Name

Kima Network

Legal name

Kima Foundation

Website

https://kima.finance

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Kima Network builds a blockchain-based decentralized settlement protocol enabling atomic cross-ecosystem transfers of fiat, stablecoins, CBDCs, and tokenized assets for regulated institutions including banks, fintechs, exchanges, and central banks.

Ownership category

akta.pro rank

Product category

Blockchain Settlement Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199), Commodity Contracts Brokers & Dealers (6221)

akta.pro primary industry

Settlement, Clearing & Reconciliation for Tokenized Assets (DvP, PvP, netting, post-trade) (FSAPAIAI)

akta.pro secondary industries

Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Interoperability & Integration Middleware (ERP/core banking connectors, messaging, APIs, cross-chain to permissioned) (FSAPAIAL), Blockchain Settlement & Clearing Infrastructure (On-/Off-chain Post-Trade) (FSAGAMAC), Tokenized Securities & Capital Markets Infrastructure (equities, bonds, funds, ATS/MTF connectivity) (FSAPAIAD)

Keywords

• Cross-chain settlement
• Blockchain interoperability
• Decentralized finance infrastructure
• Payment protocol
• CBDC integration

Headquarters

HQ city

Tel Aviv

HQ country

Israel

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Protocol Transaction Fees: Kima charges fees for cross-ecosystem settlement transactions. The protocol facilitates transfers across fiat, stablecoins, CBDCs, and tokenized assets, earning fees per transaction processed through the settlement layer.
2. Validator/Staking Rewards: KIMA tokens are distributed to validators as incentives for network participation. The protocol has a native token (KIMA) for network governance and staking.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Kima Network operates a blockchain-based decentralized settlement protocol that enables atomic, cross-ecosystem transfers across fiat, stablecoins, CBDCs, and tokenized assets via a single SDK/API. It eliminates smart contracts, bridges, oracles, and external relayers while delivering compliance-first settlement infrastructure (built-in KYT/AML) for regulated institutions including fintechs, banks, exchanges, and central banks.

Product overview

Kima Network is a unified platform providing infrastructure-agnostic money transfer and settlement solutions. The core offering consists of Kima Network (blockchain-based protocol) paired with four main product modules: Universal Payment Rail (UPR) for cross-asset transfers, Liquidity as a Service (LaaS) for liquidity management, Delivery-Backed Settlement (DvP) for atomic swaps without smart contracts, and Universal Message Conduit (UMC) for secure Web2/Web3 data exchange. Developers can leverage the Kima SDK/API to integrate these capabilities into their applications.

Differentiator

Problem solved

Functional benefit

Brands

• Universal Payment Rail (UPR): Instant, atomic transfers across stablecoins, fiat, and CBDCs - a payment solution designed to integrate traditional financial systems with blockchain technologies.
• Liquidity as a Service (LaaS)
• Delivery-Backed Settlement (DvP)
• Universal Message Conduit (UMC)

Products and services

• Kima Network Protocol A blockchain-based decentralized settlement protocol enabling secure, atomic, cross-ecosystem transactions across fiat, stablecoins, CBDCs, and tokenized assets, sold to regulated institutions, developers, and financial platforms.
• Universal Payment Rail (UPR) A payment-transfer product delivering instant, atomic transfers across stablecoins, fiat, and CBDCs, designed for businesses, financial institutions, and consumers needing cross-chain and fiat-to-fiat fund movement via a single API.
• Liquidity as a Service (LaaS) A liquidity-management product that connects businesses and financial institutions to a decentralized network of liquidity providers, enabling seamless multi-asset, multi-chain transactions with built-in KYT/AML compliance.
• Delivery-Backed Settlement (DvP) An atomic-swap product for tokenized real-world asset settlement that uses decentralized escrow accounts instead of centralized escrow or smart contracts, reducing counterparty and regulatory risk for exchanges, banks, and RWA platforms.
• Universal Message Conduit (UMC) A secure data-exchange product enabling encrypted, attestation-based messaging between Web2 and Web3 systems with zero-knowledge proof integration for privacy-enhanced workflows, sold to enterprises needing supply-chain verification and regulatory compliance.
• Kima SDK A software development kit that enables developers to integrate Kima's settlement, liquidity, and messaging functionality into their applications, supporting public, on-prem, or managed-cloud deployment.

Quantifiable outcome

• Selected by Bank of Israel for Digital Shekel Challenge to implement P2P tokenized RWA settlement
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Mastercard (FinSec Lab)coreStrategic or Co-development PartnerCollaboration with Mastercard's FinSec Lab on a DeFi credit card project supported by the Israel Innovation Authority. Revolutionizing pre-paid cards with seamless stablecoin top-ups. One of Kima's flagship case studies.
• European Central BankcoreStrategic or Co-development PartnerPartnership exploring bridging Digital Euros with Impact Finance through programmable payments. Demonstrates institutional adoption of Kima's settlement infrastructure for CBDC integration.
• Bank of IsraelcoreStrategic or Co-development PartnerSelected to participate in the Digital Shekel Challenge. Kima implemented a secure mechanism for peer-to-peer settlement of tokenized RWAs using Digital Shekel and fiat Shekel, bridging digital and traditional currencies without central intermediaries.
• Israel Innovation AuthoritycoreStrategic or Co-development PartnerGovernment body supporting Kima's FinSec Lab DeFi credit card project, validating the company's innovative approach to regulated blockchain payments.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LayerZero: Cross-chain messaging and value-transfer protocol connecting 50+ chains. Directly competes with Kima on cross-ecosystem settlement, with comparable "no bridge" ambitions but a much larger validator set and treasury.
• Wormhole: Cross-chain bridge and messaging protocol supporting 30+ chains. Most direct competitor to Kima's Universal Payment Rail, with established integrations across major L1s and exchanges.
• Axelar Network: Permissionless interoperability platform connecting 50+ blockchains via generalized message passing and cross-chain transfers. Competes with Kima in providing a unified settlement API for institutions and DeFi protocols.
• Canton Network: Privacy-enabled interoperable DLT used by major banks (Goldman Sachs, HSBC, BNY Mellon, Deutsche Börse) for tokenized asset settlement. Direct overlap with Kima's bank-grade DvP and interoperability positioning.

Broad incumbents

• Chainlink CCIP: Chainlink's Cross-Chain Interoperability Protocol provides token transfers and messaging across chains with an oracle-secured architecture. Backed by the most established oracle network, it is the default institutional-grade alternative to Kima for cross-chain settlement.
• Circle (Cross-Chain Transfer Protocol): Circle's CCTP enables native USDC burn-and-mint across chains. Competes most directly with Kima's stablecoin settlement use case, leveraging Circle's regulatory standing and the dominant stablecoin distribution.
• Ripple (XRP/RippleNet): Enterprise blockchain payments network for cross-border bank transfers. Targets the same bank and institutional corridor-modernization use cases as Kima with deeper incumbent relationships and regulatory licensing.
• R3 Corda: Permissioned DLT platform purpose-built for regulated financial institutions. Shares Kima's target customer (banks, central banks) and emphasis on privacy and compliance, but is centralized and consortium-governed.
• Hedera Hashgraph: Enterprise-grade distributed ledger with token and stablecoin services plus the Hedera Token Service. Targets similar regulated-institution use cases and offers its own settlement rails for tokenized assets.

Others

• Hyperledger (Linux Foundation): Open-source consortium of permissioned blockchain frameworks (Fabric, Besu, Indy) underpinning many enterprise settlement systems. Comparable as underlying infrastructure options that institutions may choose instead of integrating Kima's protocol.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@kimanetwork/videos
• Xx.com/KimaNetwork
• LinkedInlinkedin.com/company/kimanetwork

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds3 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kima Network