# Kima Network > Uniting Web2 and Web3 Kima Network is a cross-ecosystem money transfer protocol connecting blockchain and traditional financial systems. It enables asset transfers and payments across different infrastructures without smart contracts or bridges. Kima Network is a cross-ecosystem money transfer protocol that connects traditional financial systems with blockchain networks. It provides a settlement layer that allows assets and payments to move between different infrastructures, whether blockchain-based or not, without relying on smart contracts, bridges, or synthetic assets. The protocol is built for financial institutions, decentralized application developers, and fintech companies seeking interoperability between fiat and crypto systems. The protocol addresses fragmentation between decentralized and traditional finance by offering a purpose-built chain that transacts directly with source and target networks or bank accounts, rather than relying on wrapped assets or escrow intermediaries. It secures transfers through multi-party computation combined with trusted execution environments and threshold signature schemes, aiming to remove common attack vectors associated with bridging. Validators and delegators support network operations, while liquidity providers help maintain balance across supported ecosystems. Kima offers a software development kit and application programming interface that let developers integrate settlement functionality into decentralized applications without altering their existing backends, alongside Lima, an artificial intelligence liquidity management agent. Its offering supports use cases such as real world asset swaps, delivery versus payment transactions, and cross-chain or cross-institution payments. It is used by application developers, financial institutions extending into digital assets, and fintech companies building payment products. The protocol previously operated under the name Kima Finance before adopting its current branding. - Type: Company - Sector: Infrastructure - Status: Active - Founded: 2021-09-01 - Profile: https://thegrid.id/profiles/kima_network ## Products - [Kima Network Protocol](https://thegrid.id/profiles/kima_network): Kima Network Protocol is a cross-ecosystem money transfer protocol that enables asset transfers between blockchains and traditional financial systems without smart contracts, bridges, or synthetic assets. It uses a committee-based consensus of rotating validators, threshold signature schemes, and a trusted execution environment to authorize withdrawals only after confirming corresponding deposits on the source chain. The protocol maintains liquidity pools on each integrated network, allowing atomic value transfer across multiple blockchains and fiat rails such as bank accounts and card payments. It is used by developers and applications seeking interoperability between decentralized and traditional finance without token wrapping. (Cross-chain Infrastructure, Live, Main Product) - [Lima](https://thegrid.id/profiles/kima_network): Lima is an AI agent for liquidity management that monitors blockchain liquidity, yield opportunities, and risk conditions in real time. It scans multiple blockchains continuously and delivers alerts on underutilized pools, yield incentives, and risks such as liquidity drain or impermanent loss through chat-based interfaces. Liquidity providers and decentralized finance users interact with the agent through messaging platforms to receive research and educational content on liquidity mechanics. (AI Agent, Live) - [Kima SDK/API](https://thegrid.id/profiles/kima_network): Kima SDK/API is a developer toolkit that provides a standalone backend server and a front-end transaction widget for integrating cross-chain and fiat-to-crypto transfers into applications. Developers use the middleware server to submit and process transaction requests to the protocol while the widget offers a ready-made interface for end users. The toolkit allows applications to connect directly to banking systems and multiple blockchains without building custom backend infrastructure. (Developer Tooling, Live) - [Kima Explorer](https://thegrid.id/profiles/kima_network): Kima Explorer is a block explorer for tracking transactions and validator activity across the Kima Network. Users can monitor cross-chain transfers, view pool balances, and audit validator actions through a browser-based interface. It supports transparency and verification for participants interacting with the underlying settlement protocol. (Block Explorer, Live) ## Assets - [Kima (KIMA)](https://thegrid.id/profiles/kima_network): KIMA is the utility token of Kima Network, a cross-ecosystem money transfer protocol. It is used for staking to secure validator consensus, paying settlement and compliance fees, and rewarding validators and liquidity providers. Fees collected in KIMA are routed to validators or burned, tying network usage directly to token demand. (Utility) ## Links - [Documentation](https://docs.kima.network) - [Main](https://www.kima.network) - [Whitepaper](https://docs.kima.network/kima-whitepaper-1) - [Blog](https://www.kima.network/blog) - [Media Kit/branding](https://drive.google.com/drive/u/1/folders/1RvVheAvhOTrHT1PfOLzWezrCGMa9Wu5T) - [Privacy policy](https://www.kima.network/privacy-policy) - [Terms of Service](https://www.kima.network/terms-conditions) - [Twitter / X](https://x.com/KimaNetwork) - [Discord](https://discord.gg/kima) - [Telegram](https://t.me/kimanetwork) - [LinkedIn](https://linkedin.com/company/kimanetwork) - [GitHub](https://github.com/kima-finance) - [Medium](https://medium.com/@kima_finance) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. 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