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Kima is proud to unveil a significant leap in blockchain and traditional finance interoperability: users can now convert SEPA bank transfers in euros (EUR) directly into EURC, Circle’s euro-backed stablecoin. This feature is not only a milestone for Kima, but it sets a new standard for bridging traditional banking infrastructure with on-chain finance.

A Technological Breakthrough

What makes this launch so notable is the underlying technology. Kima’s decentralized settlement protocol has achieved a seamless interface between Web2 banking APIs and blockchain-based digital assets. The result is a first-of-its-kind system where users can initiate a standard bank transfer and receive a stablecoin on-chain with atomic finality.

Here’s how the system works:

• Users initiate a SEPA bank transfer using their existing banking app or interface.
• Kima validators (using a patented framework for decentralized API access) orchestrate and verify the transaction in a trustless environment.
• Once verified, the transaction is settled directly on-chain, where users receive EURC tokens. The entire process includes built-in compliance and finality mechanisms.

This integration showcases the core of Kima’s innovation: the ability for a blockchain protocol to natively interact with traditional financial APIs. There are no wrapped assets, no custodians, and no middleware orchestration layers, just direct, protocol-level interaction.

Why This Matters

This feature isn’t simply about convenience or user experience. It signals a structural change in how the financial world can operate:

• First implementation of its kind: Kima becomes the first blockchain protocol to directly settle SEPA bank transfers into a stablecoin on-chain.
• TradFi and DeFi, connected: For the first time, a user’s traditional bank account can interact directly with a blockchain protocol without custodians or centralized gateways.
• Protocol-level integration: Unlike traditional orchestrators or fintech wrappers, Kima achieves this through its native settlement infrastructure. This ensures compliance, atomicity, and transparency — by design.

A Glimpse into the Future

Although this launch focuses specifically on EUR to EURC conversion, the implications are much broader. Kima’s settlement architecture is asset-agnostic. It supports a wide range of financial instruments, including:

• Other fiat currencies
• Stablecoins
• CBDCs
• Tokenized deposit instruments

For end-users, the process remains as familiar and seamless as a routine bank transfer. But underneath the surface, the protocol delivers regulatory-grade settlement infrastructure natively on-chain, making Kima a viable candidate for future integrations with financial institutions, payment providers, and public financial systems.

Conclusion

Kima’s new EUR→EURC on-ramp is a proof of concept for what modern finance can become. This launch bridges the gap between Web2 and Web3 in a way that’s practical, compliant, and scalable. As stablecoins and tokenized assets continue to evolve, Kima is uniquely positioned to serve as the settlement backbone connecting banks, wallets, and ecosystems around the world.

This is only the beginning.