Stellar Community Fund

Kima

SCF #40

Build Eligible

Kima is a universal settlement infrastructure that unifies digital and traditional finance into one interoperable network. It enables atomic, compliant, and instant settlement between fiat money, stablecoins, and digital assets - across banks, blockchains, and payment systems - without intermediaries or smart contracts. At its core, Kima’s patented protocol guarantees settlement finality across heterogeneous systems. Whether moving funds between bank APIs, payment processors, or blockchain networks, every transaction is enforced at the protocol level, ensuring that no asset moves unless its counterpart has been delivered. This infrastructure transforms how money moves globally. Payment providers, fintechs, and financial institutions use Kima to build applications that can send, receive, and convert value directly across ecosystems, whether it’s a stablecoin payment settled into a bank account, a cross-border treasury transfer, or a real-world asset token transaction. Unlike orchestration solutions that rely on external APIs or custodians, Kima eliminates intermediaries by providing a direct, ledger-to-ledger settlement layer. Its architecture supports compliance, liquidity management, and integration with both Web2 and Web3 systems. Kima is redefining financial interoperability, providing the foundation for instant, secure, and universal settlement—enabling a truly connected economy where all forms of money can move freely, securely, and under regulatory control.