Kinesis Money is a decentralized, asset-backed monetary system that combines blockchain technology with allocated physical precious metals to create a stable and incentivized currency platform for global commerce and investment. ^[8]

Overview

Kinesis Money is a decentralized, asset-backed monetary system designed to address the challenges of price volatility and encourage commercial exchange. It combines blockchain technology with traditional, stable forms of money to create a secure and efficient global payment platform. Unlike many cryptocurrencies suffering significant volatility, Kinesis aims to provide a stable and widely adopted currency for international transactions.

The system's vision is to evolve beyond current monetary systems by improving money as both a store of value and a medium of exchange, benefiting all participants. Kinesis draws a parallel between its role in economic activity and the energy the sun provides to Earth, aiming to stimulate movement in money, assets, and commerce in a fair and rewarding manner.

Kinesis aims to deliver a globally fungible and reliable monetary system, incentivizing participation. This will help overcome challenges such as hoarding behavior driven by the volatility of traditional cryptocurrencies. By providing incentives to use Kinesis tokens in exchange for goods and services, the platform addresses hoarding and encourages using its currency in everyday transactions. ^{[1] [8]}

Features

Monetary System

The Kinesis Monetary System is designed to stimulate economic activity and capital movement by incentivizing its currency. At its core, it offers a highly attractive risk/return ratio, drawing external capital and putting it into active circulation. The system ensures the stability of its currencies by backing them 1:1 with allocated physical gold and silver, which serve as the primary assets backing Kinesis’ tokens (KAU and KAG). The token holders fully own these physical assets, providing a stable store of value.

The Kinesis system is built on a multifaceted yield model different from traditional fiat currencies, which rely on debt-based interest. Instead, the system generates yield from economic activity, encouraging the velocity of money and promoting the exchange of capital. This yield system offers tangible value, measured through Net Present Value (NPV) calculations, making it suitable for commercial, institutional, and retail investment.

Kinesis leverages blockchain and cryptocurrency technology, allowing for the integration of various assets like gold, silver, fiat currencies, and cryptocurrencies, all digitally and physically secured within the Kinesis asset management system. This setup allows the system to offer currency and investment products that can be standardized, traded, and stored securely.

The system targets markets with low or no yields, such as cryptocurrency, gold and silver, fiat currency, and investment asset markets. By offering greater stability and potentially higher returns, Kinesis aims to attract capital from institutional and retail investors and savers and reduce risks compared to alternative markets.

The Kinesis Monetary System aims to minimize risk, maximize return, and accelerate adoption by providing a stable, secure, and incentivized ecosystem for money velocity and economic exchange. ^[1]

Velocity-Based Yield

Kinesis' Velocity-Based Yield System is designed to encourage active use and movement of its currency suite. It offers financial rewards based on the velocity of money, or how quickly the currency changes hands. This system differs from traditional fiat systems, which rely on debt-based models and inflation to stimulate economic activity. Instead, Kinesis generates yield from economic output, meaning the system rewards participation without devaluing the currency.

The key innovation of the Kinesis Velocity-Based Yield System is its focus on incentivizing currency velocity. The more actively the Kinesis currencies are used, the greater the yield participants receive. This system avoids the inflationary pressures of fractional banking in traditional fiat systems, creating a more sustainable and attractive ecosystem for capital.

Kinesis also provides price stability similar to stablecoins like Tether, but with a more secure foundation. While Tether’s success is based on its ability to offer price stability in cryptocurrency, it relies on a fractional banking model, which can be subject to counterparty risk. On the other hand, Kinesis is backed by allocated physical gold and silver, offering stability and liquidity. This reduces counterparty risk and gives businesses, merchants, and investors a more reliable currency alternative.

The system is particularly useful for those in the cryptocurrency market looking for stability and liquidity, as Kinesis allows users to convert volatile cryptocurrencies into a more stable asset. By stimulating velocity and offering rewards for participation, Kinesis aims to create a highly incentivized and secure ecosystem, driving economic activity while reducing the risks typically associated with other forms of digital currency. ^[1]

Products

Virtual Card

The Kinesis Virtual Card offers users a novel cashback program. It allows users to earn 2% cashback in physical gold on every purchase made with the card. This can amount to up to $480 annually, making it the only cashback program that rewards users with gold rather than traditional currency. The card supports purchases with gold, silver, and crypto, with a low 0.22% conversion fee for these assets.

In addition to cashback, users are rewarded with a share of global transaction revenue when purchasing gold and silver, with monthly payouts in gold. Upon launch, Kinesis offers a six-month free access plan to the cashback feature.

The Kinesis Virtual Card is available in over 60 countries, supports over 10 currencies, and integrates with Google Pay and Apple Pay. No credit checks are required, and the card provides a high daily spending limit.

Kinesis contributes 1% of the value of users' spending to the fee pool, and over 50% of this is distributed as yields to users. There is also an opportunity to earn up to 10% "Metalback" in gold on purchases at leading retailers, further enhancing the card's rewards potential. ^{[4] [5]}

Kinesis Bullion

The Kinesis Bullion Store offers industry-leading pricing on independently produced, investment-grade gold and silver bullion. The store focuses on giving clients access to physical gold and silver, understanding the value of holding these precious metals for economic freedom. Initially, the store will offer silver bullion coins and bars, with shipments limited to the United States, while gold products and regional expansion will follow.

The inaugural bullion series features designs inspired by Greek and Egyptian goddesses—Themis, the goddess of justice, on silver bars, and Ma'at, the goddess of balance and harmony, on coins. These designs embody the core values of the Kinesis system: honesty, fairness, trust, balance, harmony, and justice. The bullion products are crafted with a minimum fineness of 9999 for gold and 999 for silver, with certification provided.

Kinesis produces these bullion items in its 5,600-square-meter mint and refinery facility in Istanbul, Turkey, allowing it to offer competitive pricing and quality. The refinery can produce investment-grade bullion for the Kinesis Bullion Store and other major retailers. By manufacturing its products, Kinesis ensures close control over production, providing customers with unique value compared to other suppliers. ^[6]

Tokens

KVT

The Kinesis Velocity Token (KVT) is a utility token that gives holders a share of the transaction fees generated within the Kinesis Monetary System. It is an ERC-20 token, which is compatible with any ERC-20-compatible wallet. KVT holders are entitled to receive a portion of the fees collected whenever assets are purchased, traded, spent, or sent within the Kinesis ecosystem.

KVT holders receive 20% of all revenue generated across the Kinesis system, which is distributed monthly in the form of physical gold and silver. This makes the KVT an attractive asset for those seeking passive rewards from the network’s activity.

The KVT operates on the Stellar blockchain, which enables fast and low-cost transactions. The Stellar platform ensures compatibility with a wide range of wallets and services, enhancing the KVT's usability and efficiency within the broader Kinesis ecosystem. ^{[1] [7]}

Kinesis Gold (KAU)

Kinesis Gold (KAU) is a digital currency backed 1:1 by physical gold, with each unit representing one gram of fine gold stored in fully insured, audited vaults under the holder’s name. Designed as an alternative to fiat, KAU can be spent, traded, sent, and earned globally, including through the Kinesis Virtual Card, which allows real-time transactions wherever Mastercard is accepted. Holders earn monthly yields in physical gold from spending, holding, or trading, with all gold fully allocated and redeemable in 100-gram increments from global vaults.

Backed by LBMA-approved gold and subject to biannual independent audits, KAU is supported by the Allocated Bullion Exchange (ABX), offering zero storage fees and institutional-grade reliability. Its integration as a national currency in Indonesia through partnerships with PTPos and government-regulated exchanges highlights KAU’s growing acceptance as a secure and trusted monetary asset. ^[2]

Kinesis Silver (KAG)

Kinesis Silver (KAG) is a digital currency backed 1:1 by physical silver, with each unit representing one ounce of fine silver stored in fully insured, audited vaults under the holder’s name. Built as a blockchain-based alternative to fiat, KAG enables users to spend, trade, send, and earn silver globally. Through the Kinesis Virtual Card, holders can use KAG in real-time, with assets converted instantly at the point of purchase, while also earning monthly yields in physical silver for spending, holding, or trading. All silver backing KAG is fully allocated and redeemable for 200 ounces at global hubs.

Managed by the Allocated Bullion Exchange (ABX), KAG is supported by institutional expertise and verified by biannual audits for quality and proper allocation. Additional rewards, including cashback in gold, further integrate KAG into everyday transactions, reinforcing silver’s role as an accessible and practical form of money. ^[3]

Partnerships

• Pegasus
• Stellar
• DBRP
• House of Mandela
• Valaurum