Kima
4 known investors
Kima Finance is a distributed settlement protocol that provides a single atomic rail for cross-ecosystem transfers across fiat, stablecoins, CBDCs, and tokenized assets, without bridges or smart contracts. It targets regulated financial institutions and enterprises with products for cross-border payments, on/off-ramps, treasury management, and delivery-versus-payment settlement, using MPC vaults, TEE enclaves, and threshold signatures with built-in compliance.
Also known as Kima Finance
Founders & leadership
Investors · 4
Also in the syndicate · 3
Company profile
researched Aug 2026Kima Finance develops settlement infrastructure intended to move value across otherwise separate financial ecosystems — fiat bank accounts, stablecoins, central bank digital currencies, tokenized deposits and other tokenized assets — over a single atomic rail with instant finality. The company positions the offering as a DLT-based settlement layer that connects directly to existing bank systems, wallets and accounts, removing intermediaries and enforcing compliance as part of the transfer flow rather than as a separate, siloed process.
The two principal products described by the company are the Universal Payment Rail (UPR) and Liquidity as a Service (LaaS). UPR is a transfer protocol exposed through a single API that supports cross-chain transfers, fiat on- and off-ramps and fiat-to-fiat movement, covering major fiat currencies such as the euro and dollar alongside stablecoins across nine blockchains, tokenized deposits and CBDCs on private permissioned chains. It is designed to interconnect permissioned and permissionless networks as well as traditional banking and payment infrastructure. LaaS pools liquidity from a decentralized network of providers so that businesses, financial institutions and decentralized ecosystems can source liquidity across assets and networks — including fiat and otherwise unsupported currencies — without holding large asset reserves themselves. Press coverage of the company's 2024 fundraise described Kima as a web3 decentralized settlement protocol connecting traditional financial services such as fiat bank accounts and credit cards with decentralized finance tools.
Business model
Kima supplies settlement and liquidity infrastructure to other financial participants rather than serving end consumers directly, exposing its rail through a single API and an embeddable transaction widget that platforms integrate into their own products.
Traction
Kima disclosed $8 million in total funding as of June 2024, including a $5 million pre-seed raised across equity and token rounds, with proceeds earmarked for onboarding additional institutions, payment platforms and cross-chain decentralized applications and for expanding research and development, its finance arm and regulatory work. The company maintains a public code repository organization with ongoing commit activity into 2026.
Latest developments
The company's site states that the KIMA token is not yet live and warns users about scams referencing it. Public repository activity continued into 2026 on the transaction backend, transaction widget and transaction API projects.
▸Full profile — market position, technology, go-to-market, history, risks & controversies
Market position
Kima presents itself as an early entrant in atomic cross-ecosystem settlement linking traditional finance and digital assets; its 2024 pre-seed round drew participation from Blockchange, Mastercard's FinSec Innovation Lab accelerator and crypto-focused investors including Outlier Ventures.
The company frames its distinguishing characteristics as atomic settlement in a single hop across both traditional and digital asset classes, operation without bridges or smart contracts to reduce attack surface, compliance enforced within the settlement layer, ecosystem-agnostic coverage spanning permissioned and permissionless networks, and breadth of supported assets spanning fiat, stablecoins on nine chains, CBDCs and tokenized deposits.
Technology
Kima operates a DLT-based settlement layer that deliberately avoids smart contracts, which the company presents as reducing exposure to the bugs and exploits common in contract-based DeFi systems and as shortening the number of steps required relative to smart-contract swaps, lowering fees and latency. The architecture supports both permissioned and permissionless chains, connects to bank accounts and payment infrastructure, and executes transfers atomically in a single hop with instant finality. Public engineering artifacts include a transaction backend, a transaction API wrapper for sending and monitoring transactions, and an embeddable transaction widget, plus forks of Cosmos and Osmosis chain-registry and asset-list repositories and Tendermint KMS, indicating a Cosmos/Tendermint-based validator stack.
Go-to-market
The company markets through direct enterprise engagement, with its website centered on booking demos and calls, supported by developer documentation and open-source integration components such as a transaction API wrapper and drop-in widget.
Regulated financial institutions, payment platforms, businesses requiring cross-border and cross-currency transfers, and blockchain ecosystems and cross-chain decentralized applications needing liquidity or fiat on- and off-ramps.
History
Press coverage from June 2024 identifies Eitan Katz as co-founder and CEO at the time of the company's $5 million pre-seed announcement.
Risks & controversies
Kima has publicly warned that its token is not live and that scams are circulating in its name.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 1
launches, deals, and filingsKima announced a combined $5 million pre-seed raise through equity and token fundraising, bringing total funding to $8 million. Blockchange, Mastercard's FinSec Innovation Lab R&D accelerator and several angel investors led the equity round; the token raise included Outlier Ventures, Blockchange, Big Brain Holdings, Castrum Capital, Kangaroo Capital and Maven Capital. The company said proceeds would fund onboarding of institutions, payment platforms and cross-chain applications, plus R&D, its finance arm and regulatory processes.
$5M source ↗
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- Kimakima.finance · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Kima do?
- Kima Finance builds a compliance-oriented settlement protocol for atomic transfers across fiat, stablecoins, CBDCs and tokenized assets.
- Who founded Kima?
- Kima was founded by Guy Vider.
- Who are Kima's investors?
- Kima's investors include Castrum Capital.