Kiva Protocol is a modular, extensible authentication platform

Built around a digital wallet, Kiva Protocol allows individuals to easily share their ID and other information with organizations in a privacy-preserving way

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How it works

step 01

A government agency issues an ID to the individual’s digital wallet

step 02

The individual shares that ID credential with a bank

step 03

The bank authenticates the individual, and opens an account

step 04

The individual can also store her financial records in the wallet


Secure and compliant onboarding

The eKYC solution is designed to support digital customer onboarding at financial institutions. It provides a secure, high level-of-assurance method of conducting digital KYC (know your customer) and other customer due diligence processes. Individuals benefit from a streamlined account opening that requires no paperwork and can be processed in minutes instead of days or weeks. Financial institutions dramatically lower operational costs by eliminating the manual review and recording of physical documents, while simultaneously improving compliance and their risk profile.

Financial histories

Portable, user-controlled financial records

The Kiva Protocol digital wallet can also hold verifiable records of financial transactions, enabling the individual to demonstrate her financial history to FSPs, employers, and other organizations. Each transaction (e.g., loan repayment) is sequentially recorded into the wallet as a credential, where three-way cryptographic signatures offer proof that the transaction history is complete (no missing entries). Like all credentials stored in the wallet, these transaction histories are portable with the individual, allowing her to access and share them at any point in the future.

G2P payments

Social benefits payments

Social protection and benefit programs have become critical infrastructure in the Covid era. These programs are often challenged with incomplete beneficiary targeting, lack of payment verification, and high service delivery cost. Kiva Protocol enables payment issuers to accurately verify recipient eligibility and securely issue payments through a variety of payment channels, including bank transfer, mobile money, and even voucher-based redemption. This allows fast, cheap, and secure payments to reach beneficiaries, and also provides the foundation for hyper-targeted programs to reach beneficiaries who are currently not receiving their intended payments.