If you weren’t able to join our recent AMA with Kinza Finance, don’t worry! We’ve got you covered.

Below is a recap & summary of how the AMA went down 👇

1. What is kinza Finance? Kinza Finance was founded by two core team members, our CEO Farseek and CTO Swordholder. They have deep experience in the traditional finance, tech, and blockchain worlds, including experience at Google, Goldman Sachs, and experience building DeFi at GRO and Mantle network.

They had the vision to build the pinnacle of sustainable on-chain money markets with a priority on security and capital efficiency — and as a team, we are realizing that vision.

Kinza Finance is a DeFi lending platform on BNB Chain. We were a member of the Binance Labs MVB accelerator Season 6 — and were selected as a standout project for Binance Labs investment. Our focus as a project is on security and capital efficiency — so our mainnet (launched!) already incorporates some cutting edge solutions like Asset Isolation to protect the protocol with high-level security.

Kinza Finance has developed a really exciting and innovative tokenomics model inspired by Ve(3,3) known as ve-Real-Yield. Sounds complicated, but it isn’t — so basically more than half of our token supply will go to community emissions. Here is how — after our TGE, there will be a pool of $KZA that will be distributed as rewards each week.

$KZA holders can stake to receive $xKZA which can be used to vote to direct these rewards into selected lending markets — the directed $KZA are then earned as borrowing rewards. This incentivizes borrowing — which incentivizes lending, and inspires the overall energy and health of the Kinza protocol.

This is a unique approach to building strong liquidity — I for one can’t wait to see it in action. Welcome to the Kinza Real Yield vision!

1. What makes kinza Finance unique compared to their competitors? I’ll get into a few of the features and approaches that make Kinza standout amongst the rest.

Security is a big one here. Our team is constantly on the lookout for innovative ways to level-up our feature-set and platform security. I mentioned asset isolation above — what is asset isolation?

Asset Isolation is one of the approaches to protecting the overall health of the protocol by isolating higher risk or asset pools with high volatility. Each asset is either be isolated, closed, or open — an Isolated asset type can be used as collateral — but in isolation — so other deposited assets won’t be allowed to be used as collateral in tandem. Closed asset types cannot be used as collateral, and open-type assets can be freely used as collateral simultaneously with other open-type assets. This prevents a domino of negative effects in one pool affecting the whole system.

As an example — Aave v2 did not have a similar feature-set when the recent Curve incident went down…..This led Aave v2 as an entire system to become extremely vulnerable from the falling price action of CRV.

Other features on Kinza are focused on maximizing capital efficiency — for instance — Efficiency Mode feature. Toggling on efficiency mode will give users more efficient Loan To Value and other parameters on specific classes of assets — so users can do more with their capital. Currently Kinza supports a stablecoin asset class that can be used with E-mode.

We also have really unique opportunities to maximize capital efficiency via our partner collaborations — including with Helio — i’m sure i’ll get into this later on.

Also — really want to highlight our ve-real-yield tokenomics model. So this really makes Kinza stand out, and I can’t wait to see this rolled out. So we talked about the pools of tokens $KZA that will be directed and emitted as borrower rewards each week — this process will occur over four years.

I’ll also note here that all token allocations, including team token allocations are vesting over fours years — this is to ensure sustainability and bullish for the long-term momentum of the project — and this four years includes community emissions.

Also keep in mind, the first to get their hands on $KZA are community who provide liquidity now before TGE A massive 5% of our total $KZA supply will go out in this airdrop.

Just to finish the thought on tokenomics — So ve-Real-yield — we have the staked token holders — $xKZA holders — voting each week to direct upcoming emissions for the next week. Here there are also bribes. Now bribes in the form of $KZA can be directed to voters to get them to vote for pools that benefit them. This whole process of battling for directing and earning the weekly $KZA emissions is known as the Kinza Wars.

This will be very exciting, and fuel a ton of bullish energy, liquidity, and generate real yield for the community. The team was inspired by the ve-3,3 experiments that brought insane TVL to DEX’s and realized that a similar model would be perfect for driving healthy liquidity for a lending protcool. I can’t wait for the kinza Wars.

So really, lots of awesome features and opportunities to take advantage of now and in the upcoming months/years.

1. Could you tell us more about the partnership between Kinza & Helio? Definitely — we are really excited to collaborate and innovate in our partnership with Helio. I’ll get into a few of the cool things we have done already and there is so much more to come

First off — Kinza supports $HAY on our mainnet. This means that users can deposit $HAY token and lend and borrow with it on Kinza Finance. We are excited to build our stablecoin markets and give users flexible options.

Additionally, we also took a look at SnBNB and collaborated with Helio to support it on the platform (just announced last week!) — this means that users can stake BNB on synclub, earn on staking, receive 1:1 SnBNB, and take that to deposit and put to work on Kinza Finance. This is improves on SnBNB’s capital efficiency and we can’t wait to build more with Helio.

1. How is risk managed at kinza Finance? Risk and security are priority at Kinza. For starters, our protocol has been develop in-part with elements of time-tested code. Next, as our decentralized platform is powered by smart-contracts, we are commited to consistent security audits to test, upgrade, and make our protocol bulletproof. We have already completed two security audits thanks to our partners at Salus security, and Omniscia.

Next, as i mentioned a little about above, we have rock-solid security features and are innovating all the time. To get a sense of this innovation — check out our article here exploring new features as a result of the Curve incident, including an Interest Rate controller, and integration of new risk assessment parameters like available DEX liquidity and token volatility

For now, Kinza is already a very robust, security protocol using DeFi wallets, smart contracts, and features like asset isolation to ensure sustainable and safe lending.

1. What is the roadmap for kinza Finance? We are new, as a project, we just launched this year — and it’s beautiful the progress made so far. We build our channels and docs, deployed the testnet, launched mainnet at app.kinza.finance — and are powering ahead. We are nearing the $1M TVL mark in under a month which is beautiful to see — we are just getting started.

We’ve got so much in store. For starters our team doesn’t stop developing — we are always innovating, improving, testing, and onboarding new features to the platform by way of the Kinza testnet. Development is always on the go, marketing is starting to build and we are excited to bring new eyes to the project.

I am also very thrilled that we are gearing up to our TGE, no date is set to announce yet, but development is going very well, and we are beyond excited to launch $KZA — execute the airdrop to early liquidity providers, and kick start the Kinza Wars.

If you want to give yourself a chance to be a part of the $KZA airdrop — head over to kinza finance and supply some liquidity to the protocol.Use the opportunity to support Helio as well, and deposit some $HAY or $SnBNB!

1. Lastly, can you share more about the latest DeFi Summer campaign that Kinza is launching together with Helio? Yeah! Keep the DeFi summer rollin’.

We are currently in the middle of our DeFi Summer on Galxe campaign with Helio. It’s a lot of fun with some serious prizes.

The campaign is running until the 7th of September — so there is plenty of time to jump in and join the fun. All you have to do is head to the Galxe campaign — go through and complete the Kinza tasks, and you will have a chance to win 1,500 $HAY.

Combine this with the rest of the Helio DeFi Summer tasks, and you can give yourself a chance at the 20,000 HAY.

Here is a link to Kinza Finance’s campaign.

Community Question 1: Kinza Finance’s integration of Efficiency Mode seems promising for maximizing capital efficiency. Could you elaborate on the technicalities of this mode? How does it ensure that users get the most out of their assets in terms of borrowing and lending? E-Mode is awesome. Efficiency Mode is on of the early capital efficiency features on Kinza Finance- it is essentially a boost mode for increased capital efficiency.

When Efficiency Mode is turned on, applicable assets get boosted with adjusted values for the following parameters:

LTV (higher maximum loan for e-mode assets), Liquidation Threshold (emode assets can be borrowed with a less sensitive liquidation threshold, and Liquidation Penalty. (Liquidation penalties are lower when E-mode assets are used)

For now this mode is available for a stablecoin class of assets, but e-mode compatible asset types will evolve overtime as we support users with capital efficiency boosts!

If you want to try it out you just need to toggle it on from your Kinza dashboard.

Community Question 2: Could you explain in more detail how Kinza Finance’s lending pools work and what advantages they offer to both depositors and borrowers in the DeFi ecosystem? Kinza Finance is built to offer flexible opportunities for investors of many different kinds. Each aspect of the protocol brings a different opportunity for investors and DeFi users looking to generate with their capital.

The Lending pools are money markets powered by smart contracts that allow borrowing and lending onchain — without any intermediaries. In order to achieve this — incentives are built into the system to ensure that all operations and mechanisms run smooth and proper rewards given. So as a borrower — you provide liquidity and earn a % of the interest generated by borrowers for providing that liquidity.

This is a great way to earn on capital without having to sell anything. As a borrower — you are able to freely borrow according to your collateral, and unique to Kinza Finance, you can even generate real yield in the form of $KZA and earn as a borrower! If you are experienced, you can also earn by acting as a liquidator, and on Kinza Finance — by earning a portion of interest and bribes while acting in the governance process of directing $KZA emissions each week.

Keeping everything on chain also allows security to remain excellent and transparent with improvements and audits

Community Question 3: In the section about Real Yield, you mention that Kinza Finance focuses on borrowing incentives and effective interest rates to attract deposits. Can you provide more details on how these incentives work and how they encourage participation in the ecosystem? So the core of the unique borrower incentives on Kinza Finance has to do with ve-Real-Yield tokenomics. If you look at our tokenomics (posting right after this message) more than 50% of our token supply is allocated to Community rewards.

This token supply will be emmited each week and directed as per the Kinza Wars The majority of these emissions are earned by borrowers. So if you are borrowing from $HAY lending pool, and $xKZA voters direct the $KZA in the upcoming week to the $HAY lending pool, then you will recieve a % of the weekly emisisons as you borrow from that pool.

The $KZA emissions incentivize borrowers, and with large amounts of real yield up for grabs each week — more lenders will provide liquidity, so more borrowers can get a piece of the emissions. This encourages participation accross the board and will bring insane energy to the protocol and boost TVL for a sustainable ecosystem

If you weren’t able to join our recent AMA with Kinza Finance, don’t worry! We’ve got you covered.

Below is a recap & summary of how the AMA went down 👇

1. What is kinza Finance? Kinza Finance was founded by two core team members, our CEO Farseek and CTO Swordholder. They have deep experience in the traditional finance, tech, and blockchain worlds, including experience at Google, Goldman Sachs, and experience building DeFi at GRO and Mantle network.

They had the vision to build the pinnacle of sustainable on-chain money markets with a priority on security and capital efficiency — and as a team, we are realizing that vision.

Kinza Finance is a DeFi lending platform on BNB Chain. We were a member of the Binance Labs MVB accelerator Season 6 — and were selected as a standout project for Binance Labs investment. Our focus as a project is on security and capital efficiency — so our mainnet (launched!) already incorporates some cutting edge solutions like Asset Isolation to protect the protocol with high-level security.

Kinza Finance has developed a really exciting and innovative tokenomics model inspired by Ve(3,3) known as ve-Real-Yield. Sounds complicated, but it isn’t — so basically more than half of our token supply will go to community emissions. Here is how — after our TGE, there will be a pool of $KZA that will be distributed as rewards each week.

$KZA holders can stake to receive $xKZA which can be used to vote to direct these rewards into selected lending markets — the directed $KZA are then earned as borrowing rewards. This incentivizes borrowing — which incentivizes lending, and inspires the overall energy and health of the Kinza protocol.

This is a unique approach to building strong liquidity — I for one can’t wait to see it in action. Welcome to the Kinza Real Yield vision!

1. What makes kinza Finance unique compared to their competitors? I’ll get into a few of the features and approaches that make Kinza standout amongst the rest.

Security is a big one here. Our team is constantly on the lookout for innovative ways to level-up our feature-set and platform security. I mentioned asset isolation above — what is asset isolation?

Asset Isolation is one of the approaches to protecting the overall health of the protocol by isolating higher risk or asset pools with high volatility. Each asset is either be isolated, closed, or open — an Isolated asset type can be used as collateral — but in isolation — so other deposited assets won’t be allowed to be used as collateral in tandem. Closed asset types cannot be used as collateral, and open-type assets can be freely used as collateral simultaneously with other open-type assets. This prevents a domino of negative effects in one pool affecting the whole system.

As an example — Aave v2 did not have a similar feature-set when the recent Curve incident went down…..This led Aave v2 as an entire system to become extremely vulnerable from the falling price action of CRV.

Other features on Kinza are focused on maximizing capital efficiency — for instance — Efficiency Mode feature. Toggling on efficiency mode will give users more efficient Loan To Value and other parameters on specific classes of assets — so users can do more with their capital. Currently Kinza supports a stablecoin asset class that can be used with E-mode.

We also have really unique opportunities to maximize capital efficiency via our partner collaborations — including with Helio — i’m sure i’ll get into this later on.

Also — really want to highlight our ve-real-yield tokenomics model. So this really makes Kinza stand out, and I can’t wait to see this rolled out. So we talked about the pools of tokens $KZA that will be directed and emitted as borrower rewards each week — this process will occur over four years.

I’ll also note here that all token allocations, including team token allocations are vesting over fours years — this is to ensure sustainability and bullish for the long-term momentum of the project — and this four years includes community emissions.

Also keep in mind, the first to get their hands on $KZA are community who provide liquidity now before TGE A massive 5% of our total $KZA supply will go out in this airdrop.

Just to finish the thought on tokenomics — So ve-Real-yield — we have the staked token holders — $xKZA holders — voting each week to direct upcoming emissions for the next week. Here there are also bribes. Now bribes in the form of $KZA can be directed to voters to get them to vote for pools that benefit them. This whole process of battling for directing and earning the weekly $KZA emissions is known as the Kinza Wars.

This will be very exciting, and fuel a ton of bullish energy, liquidity, and generate real yield for the community. The team was inspired by the ve-3,3 experiments that brought insane TVL to DEX’s and realized that a similar model would be perfect for driving healthy liquidity for a lending protcool. I can’t wait for the kinza Wars.

So really, lots of awesome features and opportunities to take advantage of now and in the upcoming months/years.

1. Could you tell us more about the partnership between Kinza & Helio? Definitely — we are really excited to collaborate and innovate in our partnership with Helio. I’ll get into a few of the cool things we have done already and there is so much more to come

First off — Kinza supports $HAY on our mainnet. This means that users can deposit $HAY token and lend and borrow with it on Kinza Finance. We are excited to build our stablecoin markets and give users flexible options.

Additionally, we also took a look at SnBNB and collaborated with Helio to support it on the platform (just announced last week!) — this means that users can stake BNB on synclub, earn on staking, receive 1:1 SnBNB, and take that to deposit and put to work on Kinza Finance. This is improves on SnBNB’s capital efficiency and we can’t wait to build more with Helio.

1. How is risk managed at kinza Finance? Risk and security are priority at Kinza. For starters, our protocol has been develop in-part with elements of time-tested code. Next, as our decentralized platform is powered by smart-contracts, we are commited to consistent security audits to test, upgrade, and make our protocol bulletproof. We have already completed two security audits thanks to our partners at Salus security, and Omniscia.

Next, as i mentioned a little about above, we have rock-solid security features and are innovating all the time. To get a sense of this innovation — check out our article here exploring new features as a result of the Curve incident, including an Interest Rate controller, and integration of new risk assessment parameters like available DEX liquidity and token volatility

For now, Kinza is already a very robust, security protocol using DeFi wallets, smart contracts, and features like asset isolation to ensure sustainable and safe lending.

1. What is the roadmap for kinza Finance? We are new, as a project, we just launched this year — and it’s beautiful the progress made so far. We build our channels and docs, deployed the testnet, launched mainnet at app.kinza.finance — and are powering ahead. We are nearing the $1M TVL mark in under a month which is beautiful to see — we are just getting started.

We’ve got so much in store. For starters our team doesn’t stop developing — we are always innovating, improving, testing, and onboarding new features to the platform by way of the Kinza testnet. Development is always on the go, marketing is starting to build and we are excited to bring new eyes to the project.

I am also very thrilled that we are gearing up to our TGE, no date is set to announce yet, but development is going very well, and we are beyond excited to launch $KZA — execute the airdrop to early liquidity providers, and kick start the Kinza Wars.

If you want to give yourself a chance to be a part of the $KZA airdrop — head over to kinza finance and supply some liquidity to the protocol.Use the opportunity to support Helio as well, and deposit some $HAY or $SnBNB!

1. Lastly, can you share more about the latest DeFi Summer campaign that Kinza is launching together with Helio? Yeah! Keep the DeFi summer rollin’.

We are currently in the middle of our DeFi Summer on Galxe campaign with Helio. It’s a lot of fun with some serious prizes.

The campaign is running until the 7th of September — so there is plenty of time to jump in and join the fun. All you have to do is head to the Galxe campaign — go through and complete the Kinza tasks, and you will have a chance to win 1,500 $HAY.

Combine this with the rest of the Helio DeFi Summer tasks, and you can give yourself a chance at the 20,000 HAY.

Here is a link to Kinza Finance’s campaign.

Community Question 1: Kinza Finance’s integration of Efficiency Mode seems promising for maximizing capital efficiency. Could you elaborate on the technicalities of this mode? How does it ensure that users get the most out of their assets in terms of borrowing and lending? E-Mode is awesome. Efficiency Mode is on of the early capital efficiency features on Kinza Finance- it is essentially a boost mode for increased capital efficiency.

When Efficiency Mode is turned on, applicable assets get boosted with adjusted values for the following parameters:

LTV (higher maximum loan for e-mode assets), Liquidation Threshold (emode assets can be borrowed with a less sensitive liquidation threshold, and Liquidation Penalty. (Liquidation penalties are lower when E-mode assets are used)

For now this mode is available for a stablecoin class of assets, but e-mode compatible asset types will evolve overtime as we support users with capital efficiency boosts!

If you want to try it out you just need to toggle it on from your Kinza dashboard.

Community Question 2: Could you explain in more detail how Kinza Finance’s lending pools work and what advantages they offer to both depositors and borrowers in the DeFi ecosystem? Kinza Finance is built to offer flexible opportunities for investors of many different kinds. Each aspect of the protocol brings a different opportunity for investors and DeFi users looking to generate with their capital.

The Lending pools are money markets powered by smart contracts that allow borrowing and lending onchain — without any intermediaries. In order to achieve this — incentives are built into the system to ensure that all operations and mechanisms run smooth and proper rewards given. So as a borrower — you provide liquidity and earn a % of the interest generated by borrowers for providing that liquidity.

This is a great way to earn on capital without having to sell anything. As a borrower — you are able to freely borrow according to your collateral, and unique to Kinza Finance, you can even generate real yield in the form of $KZA and earn as a borrower! If you are experienced, you can also earn by acting as a liquidator, and on Kinza Finance — by earning a portion of interest and bribes while acting in the governance process of directing $KZA emissions each week.

Keeping everything on chain also allows security to remain excellent and transparent with improvements and audits

Community Question 3: In the section about Real Yield, you mention that Kinza Finance focuses on borrowing incentives and effective interest rates to attract deposits. Can you provide more details on how these incentives work and how they encourage participation in the ecosystem? So the core of the unique borrower incentives on Kinza Finance has to do with ve-Real-Yield tokenomics. If you look at our tokenomics (posting right after this message) more than 50% of our token supply is allocated to Community rewards.

This token supply will be emmited each week and directed as per the Kinza Wars The majority of these emissions are earned by borrowers. So if you are borrowing from $HAY lending pool, and $xKZA voters direct the $KZA in the upcoming week to the $HAY lending pool, then you will recieve a % of the weekly emisisons as you borrow from that pool.

The $KZA emissions incentivize borrowers, and with large amounts of real yield up for grabs each week — more lenders will provide liquidity, so more borrowers can get a piece of the emissions. This encourages participation accross the board and will bring insane energy to the protocol and boost TVL for a sustainable ecosystem