Kinesis Money

What Kinesis Money does

Kinesis Money is a digital-asset platform that combines physical precious metals (gold and silver) with blockchain-based digital currencies. The principal operating entity is Kinesis Cayman, registered as a Virtual Asset Service Provider with the Cayman Islands Monetary Authority (reference 1877923), with Kinesis Money Panama S.A. issuing the Currency One stablecoin suite and KMS Labs S.A. issuing ERC-20 KAU/KAG tokens on Ethereum. Its core products are KAU (1 KAU = 1 gram of fully allocated, independently audited physical gold) and KAG (1 KAG = 1 ounce of fully allocated physical silver), alongside KVT, a 300,000-supply utility token granting holders 20% of global transaction fees. The platform runs on Stellar (KVT) and Ethereum (KAU/KAG), with all bullion audited twice yearly by Bureau Veritas and serviced through Brinks and Loomis Zurich logistics.

Kinesis generates revenue from transaction fees — 0.22% on trades, 0.45% on sends, 0.22% on card conversions, and stablecoin yields funded from Kinesis Panama balance-sheet activity — and redistributes 57.5% of fee revenue to users across six yield programs (Holder's 15%, Velocity 10%, Referrer's 7.5%, Minter's 5%, KVT 20%, and Partner's). Customer acquisition is self-serve via web and mobile apps, augmented by a referral/affiliate program; business distribution is white-label and API-first, exemplified by a flagship integration with Indonesian national postal service PT Pos Indonesia. The addressable segments span individual savers seeking inflation-protected yield, retail and SMB merchants (6,000+ Metalback retailers), traders on the 150-pair Kinesis Exchange, and enterprises/institutions consuming the API. Supporting products include Kinesis Pay (merchant gateway), the US-Beta Virtual Card (Visa-issued, 2% gold cashback), Kinesis Mint (institutional minting at 100g gold / 200oz silver lots), the Currency One stablecoin suite (10 currencies including C1USD at 7.5% APY), and the Metalback consumer rewards program.

Scale signals are anchored by a strategic partnership with Allocated Bullion Exchange (ABX, founded 2011), which provides institutional vaulting that allows Kinesis to offer 0% storage fees. Reported footprint includes $360m+ KAU and $288m+ KAG in circulation, $40m+ in gold yields paid to users, $20m+ in cumulative user earnings across gold and silver, and 9,610 oz of silver earned by users in 2025 alone. The company is privately held, with no disclosed funding rounds, executive leadership bios, or audited financials in the available source material, and the UK is excluded as a market per the website footer.

Name

Kinesis Money

Legal name

Kinesis Cayman

Website

https://kinesis.money

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Kinesis Money runs a blockchain-based platform that tokenizes fully allocated physical gold (KAU) and silver (KAG), issues a 10-currency stablecoin suite, and offers trading, payments, and a US-Beta Visa card to individual savers, merchants, traders, and institutions.

Ownership category

akta.pro rank

Product category

Digital Precious Metals & Asset Trading

NAICS

Securities and Commodity Contracts Intermediation and Brokerage (5231), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

Keywords

• Digital gold platform
• Precious metals trading
• Blockchain payments
• Stablecoin issuance
• Merchant payment gateway

Headquarters

HQ city

Vaduz

HQ country

Liechtenstein

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Trade Execution Fees: Kinesis charges a flat 0.22% fee on all buy/sell transactions for gold, silver, and crypto assets on the platform and exchange. This is the primary revenue driver.
2. Send/Transfer Fees: 0.45% fee on gold and silver sends/transfers. Provides additional transaction-based revenue.
3. Card Conversion Fees: 0.22% conversion fee when assets are converted to fiat at point of purchase. C1USD spending in US is fee-free.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Kinesis Money operates a digital asset platform that combines physical gold and silver bullion with blockchain-based digital currencies, enabling users to buy, manage, send, and spend precious metals globally. The platform issues KAU (gold-backed, 1 gram each) and KAG (silver-backed, 1 ounce each) tokens backed 1:1 by audited bullion, offers a Visa debit card for real-world spending, a 150+ pair trading exchange, merchant payment gateway, and 10 stablecoins (Currency One). Revenue is generated through transaction fees, with 57.5% of all fees redistributed monthly to users as yields on their holdings.

Product overview

Kinesis Money is a unified financial platform combining physical precious metals with digital asset technology. The core offering consists of the Kinesis Platform for buying, managing, and spending gold and silver, paired with the Kinesis Exchange for professional cryptocurrency trading. Digital currencies include KAU (gold-backed token, 1 gram), KAG (silver-backed token, 1 ounce), KVT (utility token with 20% fee share), and the Currency One stablecoin suite (10 currencies including C1USD with 7.5% APY). Supporting products include Kinesis Pay (merchant payment gateway), Kinesis Virtual Card (Visa debit with 2% gold cashback), Kinesis Mint (institutional minting), and Metalback (up to 10% gold cashback rewards). The platform's revenue-sharing model distributes yields from transaction fees through six programs: Holder's Yield, Velocity Yield, Referrer's Yield, Minter's Yield, KVT Yield, and Partner's Yield. Storage is free, vaults are insured and independently audited by Bureau Veritas, with physical redemption available starting at 100g gold or 200oz silver.

Differentiator

Problem solved

Functional benefit

Brands

• Kinesis: Core platform brand for gold and silver digital asset services
• Kinesis Exchange
• Kinesis Pay
• Kinesis Virtual Card
• Kinesis Mint
• Kinesis Bullion
• Currency One
• Kinesis Velocity Token (KVT)
• KAU (Kinesis Gold)
• KAG (Kinesis Silver)
• Metalback
• Kinesis Yields

Products and services

• Kinesis Platform Unified digital platform enabling users to buy, manage, and spend physical gold, silver, and digital assets, with portfolio management, asset purchasing, yield tracking, and spending capabilities.
• Kinesis Exchange Advanced cryptocurrency trading platform providing professional-grade tools including TradingView charts, stop market/limit orders, deep institutional liquidity, and 0.22% trade execution fee across 150+ trading pairs.
• Kinesis Gold (KAU) Digital gold token backed 1:1 by physical gold bullion stored in insured, audited global vaults. Each KAU represents 1 gram of gold, enabling instant purchasing, trading, sending, and spending.
• Kinesis Silver (KAG) Digital silver token backed 1:1 by physical silver bullion stored in insured, audited global vaults. Each KAG represents 1 ounce of silver, enabling instant purchasing, trading, sending, and spending.
• Kinesis Virtual Card Visa-backed virtual debit card enabling spending in gold, C1USD, and 30+ digital assets anywhere Visa is accepted. Offers 2% cashback in gold on purchases up to $2,000 monthly spend.
• Kinesis Pay Payment gateway plugin enabling merchants to accept gold, silver, and 40+ digital asset payments online and in-store. Features QR code scanning, real-time payment clearing, and fee-free transactions for merchants.
• Kinesis Velocity Token (KVT) Utility token hosted on Stellar blockchain providing holders with 20% proportionate share of all global transaction fees across the Kinesis system, paid monthly in gold and silver. Finite supply of 300,000 tokens.
• Currency One Stablecoins Suite of 10 stablecoins pegged 1:1 to major world currencies including C1USD, C1EUR, C1GBP, C1AUD, C1CAD, C1CHF, C1SGD, C1AED, C1JPY, and C1MXN. Built on Stellar blockchain for fast, low-cost global transfers.
• Currency One USD (C1USD) USD-pegged stablecoin issued by Kinesis Money Panama, available on Stellar and Ethereum networks. Offers 7.5% APY yield on holdings in verified Kinesis accounts.
• Kinesis Mint Institutional-grade minting platform enabling creation of new KAU and KAG digital tokens in lots of 100g gold or 200oz silver at competitive pricing with access to Minter's Yield for lifetime monthly returns.
• Metalback Cashback rewards program offering up to 10% back in physical gold on everyday purchases at 6,000+ global retailers. Integrated with the Kinesis Virtual Card for enhanced earning potential.
• Kinesis Business Account Business account functionality enabling companies, trusts, and retirement funds to hold gold and silver. Supports bulk payments to up to 1,000 payees simultaneously, gold/silver payroll, and multi-account access.
• Kinesis Bullion Physical precious metals storefront offering gold and silver bars, rounds, and gold bills. Products are independently produced at the Kinesis Mint with live pricing linked to global markets.
• Kinesis Mobile App Mobile application for iOS and Android providing access to buy, manage, and spend precious metals and digital assets on the go, with biometric login and 2FA security.

Quantifiable outcome

• Users earned $20M+ of gold and silver in total
• +4 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

Integration4 records

Feature7 records

Partnerships

Twelve partnerships are on record, tiered core, flagship and minor.

• Allocated Bullion Exchange (ABX)coreStrategic or Co-development Partner · 1 January 2011Strategic partnership with leading institutional precious metals exchange founded in 2011. ABX provides extensive global vaulting network and institutional trading experience. Kinesis uses ABX's vaulting infrastructure to offer 0% storage fees. ABX brings over a decade of experience safeguarding and trading gold for institutions.
• Bureau VeritascoreTechnology or IntegrationWorld-class independent audit and inspection specialist conducting regular physical audits of all gold and silver in Kinesis vaults twice per year. Verifies weight and fineness of bullion and quality of storage.
• BrinkscoreOthersWorld-renowned vaulting partner providing secure logistics for physical gold and silver delivery to customers. Used alongside Loomis Zurich for redemption services.
• Loomis ZurichcoreOthersPremium logistics partner for secure delivery of physical gold and silver bullion. Handles redemption deliveries alongside Brinks.
• PT Pos IndonesiaflagshipStrategic or Co-development PartnerIntegration with Indonesian national postal service to develop white-label gold-based payments application. Enables Indonesian citizens to access financial services through the postal network.
• VisacoreChannel Partner/ Reseller/ DistributorVisa licensing partnership for the Kinesis Virtual Card. Card issued by Payblr, Inc. pursuant to Visa license. Enables gold and digital asset spending at 46M+ Visa merchants globally.
• EmirexcoreChannel Partner/ Reseller/ DistributorKinesis gold (KAU) and silver (KAG) digital currencies listed on the Emirex cryptocurrency exchange for trading.
• BitMartcoreChannel Partner/ Reseller/ DistributorKinesis gold and silver-backed digital assets (KAU and KAG) listed on the BitMart cryptocurrency exchange.
• Mercado BitcoincoreChannel Partner/ Reseller/ DistributorERC-20 gold (KAU) and silver (KAG) tokens listed on Mercado Bitcoin exchange.
• MEXCcoreChannel Partner/ Reseller/ DistributorERC-20 silver (KAG) token listed on MEXC cryptocurrency exchange.
• KMS LabscoreTechnology or IntegrationIssuer of ERC-20 gold (KAU) and silver (KAG) tokens on the Ethereum network. Each ERC-20 token represents a 1:1 claim on Kinesis KAU/KAG held in reserve.
• CoinTrackingminorGTM or Marketing PartnerPartnership offering 10% discount on CoinTracking reporting platform for Kinesis users. Provides tax reporting and portfolio analytics.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• APMEX: Large US precious metals dealer offering gold, silver, and other bullion. Competes with Kinesis Bullion and physical redemption services.
• Tether: Issuer of USDT (largest stablecoin) and XAUT (gold-backed token). Dominates the stablecoin market and competes with Kinesis's Currency One suite and tokenized gold offering.
• Circle: Issuer of USDC, the second-largest stablecoin. Competes with Kinesis's Currency One stablecoins and pursues tokenized real-world assets including recent USYC tokenized money market fund.
• Perth Mint: Government-backed Australian precious metals refiner offering allocated gold/silver programs and digital tokens (PMGT). Sovereign-grade competitor in tokenized precious metals.

Direct peers

• GoldMoney: Digital precious metals platform offering allocated gold, silver, platinum, and palladium storage with low fees. Direct competitor in retail digital gold accumulation and trading.
• DigixGlobal: Pioneer in gold-backed Ethereum tokens (DGX) with audited reserves. Direct peer in tokenized precious metals with similar 1:1 physical backing model.
• Aurus: Aurus tokenizes gold (AWG), silver (AWS), and platinum (AWP) on blockchain, with each token backed by allocated bullion. Direct peer in tokenized precious metals with similar 1:1 reserve model.
• Tether Gold (XAUT) by TG Commodities: Gold-backed token from Tether with one troy ounce per token. Direct comparison to KAU/KAG with similar 1:1 physical allocation and digital wallet utility.
• Paxos: Paxos issues PAXG (gold-backed token), USDP stablecoin, and operates a regulated brokerage and exchange. Direct comparison to Kinesis as a regulated tokenized-commodity and stablecoin platform pursuing institutional and consumer markets.

Emerging players

• Glint: Gold-backed payment app and Mastercard offering that lets users spend and save in gold. Comparable to Kinesis Virtual Card's gold-spending thesis but with Mastercard rather than Visa rails.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/KinesisMonetary
• YouTubeyoutube.com/c/KinesisMoney
• Facebookfacebook.com/KinesisMoney
• LinkedInlinkedin.com/company/kinesis-money

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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 Kinesis Money