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Lorenzo Protocol started with one big idea: what if the tools that large institutions use to manage yield could exist fully on-chain, instead of being locked inside hidden TradFi systems? That question slowly shaped Lorenzo into what it is today — a platform that turns real yield strategies into simple on-chain products anyone can hold, trade, or plug into other protocols. You can think of it like a marketplace of tokenized funds, covering crypto, RWAs, BTC strategies, DeFi, and quant trading. And at the center of all of this sits the $BANK token.
Lorenzo’s foundation is built on a deep yield infrastructure. Behind the scenes, the protocol runs different vaults and strategies: RWA-based yields like tokenized treasuries, on-chain lending markets, DeFi strategies, and algorithmic or quant-style trading. Instead of asking users to divide capital across many venues, Lorenzo bundles everything into products called OTFs — On-Chain Traded Funds. USD1+ is a good example: a single token that represents a mix of yield sources while the system handles rebalancing and optimization in the background.
A lot of the heavy lifting is handled by something Lorenzo calls the Financial Abstraction Layer. Users don’t see the complicated parts: the CeFi rails, the RWA infrastructure, the DeFi protocols, or the trading desks. They only see a clean on-chain asset that stands for a basket of strategies with its own risk and return profile — almost like buying a ticker on an exchange, but crypto-native and self-custodied.
On the Bitcoin side, Lorenzo’s early work was even more experimental. Using Babylon technology, they introduced native BTC staking without the need for wrapped or bridged BTC. They also separated principal and yield into two different assets — stBTC and YAT — which allowed conservative users to hold stable principal while others traded yield streams. It was one of the earliest attempts to bring structured yield design into the BTC world.
By late 2025, Lorenzo started positioning itself as real yield infrastructure for both institutions and crypto-native users. Their recent research and team communications describe Lorenzo as a practical bridge for banks, fintech apps, neobanks, and RWAFi/DeFAI products. Instead of building an entire yield stack from scratch, these players can plug into Lorenzo’s ready-made tokenized funds and structured products.
This brings us back to BANK — the heart of the ecosystem. BANK powers governance, staking, incentives, and the coordination layer. Holders can vote on what strategies get listed, how risks are managed, and how emissions should flow. In some integrations, BANK even acts like a rewards or loyalty layer for people who hold OTFs or deposit assets.
As of 8 December 2025, BANK trades around the mid-$0.04 range with a market cap near $23M. The circulating supply sits around 527M tokens, with a 2.1B max supply. Trading volume often stays between $7M–$8M daily, showing solid liquidity for a mid-cap DeFi token. Even though BANK is still far below its 2024 peak, it has climbed about 37% over the past month, reflecting renewed interest as Lorenzo expands.
The price action tells a familiar story. BANK has been hovering in a tight band around $0.044, suggesting consolidation rather than a breakout or collapse. The $0.05 level looks like the first real resistance, while dips into the high $0.03s would be considered weakness. The market seems to be treating BANK as a recovering infrastructure token waiting for a new narrative to build momentum.
But beyond charts, Lorenzo has spent a lot of time on audits and security upgrades. Recent audit reports cover vault logic, BTC wrappers, redemption queues, and custody mechanics — all essential if the protocol wants to onboard more cautious institutional capital. In this kind of system, audits matter as much as yield.
Partnerships have also played a major role. The collaboration with BlockStreetXYZ for USD1-based cross-border settlement pushed BANK into a short rally earlier this year. Educational content on Binance Square, Bybit Learn, and other platforms has helped position Lorenzo as a leading example of institution-ready on-chain asset management.
The next phase depends on adoption. If banks, payment apps, fintechs, and RWAFi platforms start using Lorenzo’s structured products at scale, BANK becomes the governance and value layer of a major on-chain yield bridge. If not, it may remain in consolidation until a stronger demand wave arrives.
Lorenzo Protocol is still early, but it’s building serious infrastructure — the kind that turns yield strategies into clean, tradable on-chain products. BANK is the token that connects all those moving parts. As always, this is not financial advice. Do your own research, manage your risks carefully, and watch how Lorenzo evolves in the next cycle.
#LorenzoProtocol @Lorenzo Protocol $BANK

Kite AI has introduced Nubila into its ecosystem to bring reliable weather and environmental data into the agent economy. This move blends Nubila’s verified real-world data with Kite AI’s Agent Identity Resolution tools, allowing autonomous agents to make decisions with more trust and accuracy.
Chi Zhang, Co-founder and CEO of Kite AI, explained the purpose behind the collaboration. He shared that their goal is to build an environment where agents can operate safely across both digital and physical spaces. With Nubila’s weather data, these agents now receive trusted signals from the real world, helping them act more responsibly and transparently.
Why Nubila Chose Kite AI
For Nubila, sharing weather data on-chain is only the starting point. The real impact comes when this information is used by agents that can respond to it autonomously. Kite AI provides the infrastructure needed for this to happen securely and at scale.
Through the partnership, Kite AI offers:
• Agent Identity Resolution – Nubila’s weather signals can be linked to verified agent identities, ensuring clarity and accountability.

• Secure Agent Transactions – With the Agent Passport, agents can pay for data, run smart contracts, or make decisions based on trusted weather signals.

• Trustworthy Execution – Every action made with Nubila’s data is recorded in a transparent and cryptographic format.

• Physical-Digital Convergence – Nubila’s real-world data becomes fuel for perception-aware agents that understand and act on real-world changes.
By building on Kite AI, Nubila ensures its weather data evolves from simple information into meaningful intelligence that autonomous agents can use.
Nubila’s Technology Advantage
Nubila captures verified hyperlocal weather and environmental signals and makes them available on-chain. When combined with Kite AI’s infrastructure, this creates:
Trusted Inputs – Agents receive real-world data they can rely on.Autonomous Transactions – The Agent Passport supports secure payments and governance.Environmental Awareness – Agents can react to real-life events and optimize actions.
Kite AI believes that the future of autonomous systems depends on accurate and trustworthy data from the physical world. Nubila fits naturally into this vision.
How the Integration Works
Use Case: Improving Farm Yields with On-Chain Weather Data
Scenario:

A farm management AI agent needs precise weather information to improve crop performance. It must make choices like when to irrigate or allocate resources, and it must do this independently and securely.
How Kite AI Enables This:
The agent uses the Kite Agent Passport for identity, governance, and secure micropayments.Nubila streams verified, hyperlocal weather signals directly on-chain.The agent makes decisions automatically, using real-time data.Every action is logged and auditable, ensuring full transparency and trust.
Why This Matters
This integration unlocks several powerful advantages:
Agents that sense the physical worldClear and verifiable actionsSecure, autonomous transactions using the Agent PassportReal-world applications, such as agriculture, environmental monitoring, disaster response, and more
Benson, Founder of Nubila, explained it simply: AI can only act as wisely as the information it receives. Nubila provides the perception layer, while Kite AI ensures those insights become trusted actions.
What’s Coming Next
Both teams see this as the beginning of a larger journey. More integrations are already being explored, with a focus on making perception-aware agents smarter and safer for industries that rely on real-world information.
About Kite AI
Kite AI is building the foundational layer for the agentic internet — a decentralized environment where autonomous agents can work with verifiability and interoperability. Kite provides identity, payment, and governance rails that allow agents to authenticate, transact, and collaborate without intermediaries. Its protocol-to-protocol token model encourages long-term sustainability and real business alignment.
About Nubila Network
Nubila is creating the physical perception layer for the AI and autonomous economy. Its decentralized sensor network collects hyperlocal environmental data, such as weather, air quality, and solar radiation, and converts it into verifiable intelligence.
In a short period, Nubila has deployed over 21,000 devices across 2,200 cities in 122 countries, showing strong momentum across Europe, North America, Asia, and emerging markets. The team is building large-scale DePIN infrastructure to support the next chapter of AI and real-world applications.
#KITE @KITE AI $KITE

I’ve seen a lot of DeFi projects come and go. Some make noise, some disappear fast, and many keep repeating the same old promises. When I first looked into Falcon Finance, it didn’t feel like another one of those. There’s something calm and steady about it—almost like a project that prefers to build quietly instead of chasing hype. And that alone caught my attention.
For years, DeFi has been slowed down by two things: high fees and slow transactions. Big chains grew quickly, but they also became crowded. As activity increased, users paid more just to move their assets, and developers had to find complicated solutions just to keep apps running. Falcon Finance steps into this space with a simple idea:

make DeFi fast, affordable, and ready to scale without breaking.
To anyone using DeFi every day, that feels refreshing.
What sets Falcon apart is that it’s not just repeating the usual buzzwords. It actually focuses on real, practical improvements. Instead of simply talking about scalability, it delivers a chain that handles heavy activity with ease. Developers get a smooth environment to create new tools, and users enjoy lower costs and quicker transactions.
One of my favorite things about Falcon is its approach to cross-chain communication. Today, blockchains often feel like separate islands with their own rules and limitations. Moving assets between them can be confusing and risky. Falcon Finance breaks these barriers by enabling different networks to connect cleanly. This opens the door to a new type of DeFi—one where ecosystems can work together instead of staying isolated.
Falcon also takes decentralization seriously. Many platforms claim to be community-driven, but Falcon actually gives power back to the people. Holders of the FF token can vote on updates, fee models, and treasury decisions. It creates a system where users shape the future, rather than a handful of insiders.
Staking is another interesting part of Falcon. It’s not just about earning passive rewards. Stakers help secure the entire network, making their participation meaningful. When people stake FF, they contribute to the health and growth of the chain, which gives the token real utility beyond speculation.
Falcon’s tokenomics add another layer of long-term value. A small portion of tokens is burned during certain activities, gradually lowering the supply. This steady deflation creates natural scarcity—something that often supports stronger value over time when combined with real-world demand.
Looking across everything Falcon is building—speed, lower costs, cross-chain tools, community governance, and thoughtful token design—it becomes clear that it fills many gaps DeFi has struggled with for years. And the ecosystem is still expanding. New partnerships, more integrations, and an active community make it feel like a project that’s genuinely growing.
What really stands out, though, is the community itself. People aren’t just following the project; they’re involved, sharing ideas, and helping shape what comes next. That level of engagement is rare these days.
When I look ahead, I can see Falcon Finance becoming an important part of the DeFi landscape. It solves real problems and offers tools that matter—whether you’re building, trading, or investing for the long run.
Falcon Finance is definitely a project worth keeping an eye on as DeFi continues to evolve.
#FalconFinance @Falcon Finance $FF

In most DeFi platforms today, earning yield feels like fixing a half-built machine. You jump from one platform to another, watch incentives change, track risks on your own, and somehow end up managing everything by yourself. Traditional finance solved this long ago by packaging complicated strategies into clean financial products—like funds or structured notes—so people could use them without rebuilding the whole system.
Lorenzo Protocol brings that idea into DeFi, but in a crypto-native way. Instead of copying TradFi, it creates real infrastructure that turns trading strategies into on-chain products you can hold, trade, or plug into other ecosystems. At the center of this design is something they call the Financial Abstraction Layer—basically the backstage system that handles tokenization, settlements, accounting, and distribution. Because of this layer, the final product feels simple even though everything underneath is working hard.
The more you study Lorenzo, the more you see that it's not just another vault. It’s trying to define what an actual on-chain financial product should look like. Their On-Chain Traded Funds (OTFs) show this clearly. These aren’t random wrappers around pooled money. They work like real structured products—with rules for minting, redeeming, updating NAV, and distributing returns. Binance Academy also describes OTFs as fund-like structures that offer strategy exposure with clear value logic. The interesting part is their flexibility: one product may build value inside the token, another may pay out rewards, and another may act like a fixed-payout note. The wrapper adapts to the strategy, not the other way around.
Once you accept that OTFs are real products, the rest becomes easier to understand. Execution is hybrid—some actions happen on-chain, some off-chain via trading desks. The wrapper ensures deposits, NAV updates, and redemptions stay aligned, even if part of the strategy lives outside the blockchain. Lorenzo is very open about this: funds are raised on-chain, trades happen off-chain, and results come back on-chain through scheduled updates. They don’t pretend everything can be 100% on-chain today.
The vault system follows the same idea. A simple vault handles one strategy. A composed vault manages multiple strategies under a single product, similar to how fund managers bundle different mandates. Lorenzo’s documents even talk about exchange sub-accounts, custody setups, and portfolio weights—showing that this is closer to fund administration than a normal DeFi vault.
Because the system mirrors real trading, liquidity behaves realistically too. Redemptions are not always instant. The strategy may need time to unwind positions, so NAV and payouts are finalized after a short waiting period. Some flows may take several days. Instead of promising endless liquidity, Lorenzo builds real-world constraints directly into smart contracts. Minting, burning, reporting cycles, and redemption math all follow this structure.
This is why it helps to think of Lorenzo as a machine that turns a trading mandate into a token.

The input is a strategy.

The output is a token that carries ownership rules, reporting, lifecycle events, and redemption logic.
After minting, that token can move anywhere in DeFi—wallets, dashboards, collateral markets, and even inside other structured products. This standardization removes the need for each integrator to decode a different vault format every time.
The BANK + veBANK system sits on top as a coordination layer. BANK is the token, but veBANK is where real influence lives. Locking BANK gives you voting power that grows with time. This governance can decide incentive allocation, reward distribution, and which products get highlighted. In a product-driven ecosystem, governance becomes more meaningful—it decides which strategies get the strongest support.
Of course, governance brings risks too. If veBANK participants start pushing for short-term rewards instead of long-term product quality, the system could lose direction. A strong issuance platform depends on governance that rewards stability and good products, not just quick emissions.
Lorenzo’s Bitcoin side is just as interesting. It aims to become a BTC liquidity layer offering different BTC-based assets for different use cases. The stBTC model connected to Babylon staking is especially complex. It separates principal and yield into two different tokens, so your base amount stays stable while yield flows elsewhere. This approach comes from structured finance, but Lorenzo applies it in a crypto-native way. The documents openly explain the settlement challenges—centralized settlement is easier but trust-heavy, while decentralized BTC settlement is limited by Bitcoin’s scripting abilities. This level of transparency is rare.
Then there’s enzoBTC, designed for flexibility and interoperability. It can be minted using BTC, WBTC, and other forms through custodian partners and omnichain messaging. It’s built for movement—not locked to one chain or one purpose—and can also connect to Babylon staking in some formats.
Security is layered and practical. The system includes freeze and blacklist functions to handle suspicious events or flagged assets. This may not feel fully permissionless, but it reflects real-world issues like regulatory alerts and exchange-level risks. The Salus Security audit found no major issues but did highlight centralization risk tied to certain owner permissions. Multi-sig and timelocks were recommended to strengthen key management.
When you zoom out, Lorenzo’s timing makes sense. DeFi is evolving from “build your own strategy” to “use ready products.” People want exposure, not endless configuration. Lorenzo’s research points to this shift too—structured stablecoins, credit strategies, yield-bearing wrappers. Binance Academy examples like USD1+ and BNB+ fit the same trend. The future is tokenized exposures, and Lorenzo is building the rails for that world.
In the end, Lorenzo feels less like a farm and more like an on-chain version of a fund operations system. It manages accounting, subscriptions, redemptions, custody, and distribution—the unglamorous but essential pieces that make financial products feel real. Its future depends on how well it can keep this system transparent, trustworthy, and easy for others to build on.
If it succeeds, DeFi could finally get a marketplace of strategy tokens that behave like real financial products. BANK and veBANK would guide how that marketplace grows. If it fails, it will probably fail in the usual places—transparency gaps, governance issues, or liquidity mismatches.
But if the team keeps improving reporting, strengthening key security, and expanding verification, Lorenzo might mark the moment when DeFi stopped offering “tools” and started offering “products.”
#LorenzoProtocol @Lorenzo Protocol $BANK

BitMind, known for its advanced deepfake detection technology, has officially joined Kite AI’s Agentic Network. The collaboration brings together BitMind’s powerful tools for spotting manipulated images and videos with Kite’s decentralized infrastructure, opening new possibilities for developers and everyday users.
Chi Zhang, Co-founder and CEO of Kite AI, explained the importance of this integration. He shared that AI agents must operate in an environment where trust can be verified. With BitMind plugged into the network, agents and developers gain the ability to check the authenticity of media at scale—making automated systems more dependable and secure.
Why BitMind Chose to Build on Kite AI
BitMind’s goal has always been to make deepfake detection widely accessible. Their technology is extremely advanced, but the real impact happens when it can be used in many places, especially by autonomous systems that need reliable information.
Kite AI offers exactly that. Its network provides:
• Agent Distribution Rails – BitMind’s detection tools can be used directly by agents across decentralized ecosystems.

• Trust and Transparency – Every action taken by a Kite agent is verifiable, allowing users to clearly see how conclusions were reached.

• Autonomous Access – Kite agents can use BitMind’s detection engine naturally in their workflows, from checking breaking news to stopping fraud.

• A Composable Ecosystem – BitMind’s capabilities expand beyond a simple API and enter the wider agent economy.
Together, Kite and BitMind are creating a trust layer for the emerging “agentic internet,” where media can be verified instantly and reliably.
BitMind’s Technological Strength
BitMind has built one of the most accurate deepfake detection systems in the industry. Developers, fraud-prevention platforms, and consumer applications can use this technology to analyze digital content and flag manipulated media.
Both teams share a similar vision: an AI future where agents from different systems collaborate openly. BitMind’s work fits naturally into Kite’s decentralized design, making the partnership a strong match.
How the Integration Works
The two teams have co-created a distribution flow that allows Kite agents to use BitMind’s detection system autonomously.
Use Case: API Distribution

Scenario:

A developer—or an agent itself—needs to check whether a piece of media is genuine.
How Kite Enables This:
A Kite agent is launched with a custom Agent Passport.It connects securely to BitMind’s API through a composable adapter.The agent analyzes images or videos, fact-checks content, or flags potential fraud.Every action is recorded transparently, giving developers full control and oversight.
Example Flow:

A user gives permission to research a trending news story.

The agent gathers information, checks visuals for signs of manipulation, and compiles accurate, verified results.

The process runs safely, intelligently, and without human supervision.
Why This Integration Matters
This collaboration brings several important benefits:
BitMind’s detection tools can now reach more users and systems.New use cases emerge across media, security, and information verification.Decision-making becomes transparent and traceable.Misinformation can be caught before it spreads.
Ken Jon Miyachi, Founder of BitMind, summarized the mission simply: people deserve to know what content is real. Kite AI offers the structure to make that possible on a large scale.
What Comes Next
Both teams are already exploring deeper integrations. More complex agent behaviors, advanced workflows, and expanded features are expected in the coming phases.
About BitMind
BitMind is the creator of Bittensor Subnet 34 — GAS (Generative Adversarial Subnet). This network runs an ongoing competition between generators and detectors, pushing both sides to evolve. The result is constantly improving detection models and fresh training data that stay ahead of new deepfake techniques.
As a leader in the field, BitMind focuses on making deepfake detection practical for real-world use, from fraud prevention and media verification to consumer safety.
About Kite AI
Kite AI is building the foundation for the agentic internet — a decentralized layer where autonomous agents can operate, interact, and collaborate. Kite provides unified identity, payments, and governance tools that allow agents to work securely without intermediaries. Its ecosystem is designed to support long-term sustainability and real business outcomes, supported by a protocol-to-protocol token model.
#KITE @KITE AI $KITE

There was a day when I finally understood how messy multi-chain DeFi really is. My tokens were scattered across several networks, some locked in protocols, some staked somewhere else, and some just sitting idle because moving them felt like too much trouble. On the surface, it looked like everything was working. But in reality, my liquidity felt stuck in different corners with no way to coordinate it properly.
This is the hidden problem of today’s ecosystem: liquidity is global in theory, but collateral is still stuck chain by chain. Falcon Finance feels like one of the first projects trying to fix this at the base layer instead of adding more temporary solutions on top.
Right now, every chain fights to gather its own liquidity. Every protocol creates its own silo. Bridges connect things, but they also bring cost, delay, and extra risk. As users, we end up juggling wrapped assets, approvals, cooldowns, and slow transfers. As builders, teams keep reinventing collateral systems from scratch. The entire structure becomes fragmented, and capital ends up sitting useless in many places.
Falcon takes a different approach. It doesn’t want to be another place where liquidity gets trapped. Instead, it aims to become a neutral collateral backbone that works under many protocols and chains at the same time. A backbone doesn’t compete for attention—it focuses on reliability and smooth coordination.
In the usual system, once you lock collateral in a protocol on one chain, it’s stuck there. If a better opportunity appears somewhere else, you must unwind everything and take on new risks just to move. This slows down users and stops capital from flowing efficiently.
Falcon’s unified collateral layer turns this upside down. Instead of moving assets again and again, collateral is recognized once, and then its representations can be used across different environments. Your value stays safely anchored, while its usable form can travel easily. Capital begins to feel like one connected pool instead of a collection of scattered fragments.
The benefit isn’t only convenience. It also makes the system safer and more efficient. Today, users often keep extra buffers on multiple chains because nothing communicates properly. With one shared collateral base, risk becomes clearer and easier to manage, and liquidity becomes deeper and more flexible.
Falcon thinks of collateral as something that carries intelligence, not just value. Once assets enter the system, they are modeled according to their behavior—how volatile they are, how liquid they are, how they settle, and what risks they carry. This allows other protocols to use Falcon-backed collateral without inheriting blind exposure. They interact with a risk-aware instrument rather than a simple wrapper.
And that’s what separates Falcon from basic synthetic tokens. Most wrappers simply mirror value. Falcon mirrors both value and behavior. This gives builders a reliable language for interacting across chains and lets systems coordinate more naturally.
For developers, this is quietly game-changing. Instead of spending huge resources attracting liquidity and building collateral frameworks from zero, they can plug into a ready-made backbone with standardized risk models. This lowers barriers, reduces costs, and shifts competition toward better products instead of bigger incentive budgets.
For users, the psychological effect is real. Fragmented collateral makes you hesitate. You’re always unsure where to place capital because moving it later might be expensive or risky. A unified collateral layer removes much of that fear. You can commit more comfortably knowing your collateral can work across multiple environments without being trapped.
Of course, the idea of “reusable collateral” naturally brings concerns about leverage and hidden risk. Falcon approaches this carefully. Reuse doesn’t mean unlimited stretching. It means controlled representation with strict limits, clear rules, and conservative onboarding. The goal is sustainable coordination—not reckless efficiency.
Falcon’s design shows this clearly. It doesn’t rush asset onboarding. It doesn’t loosen risk controls just to grow faster. It assumes markets will misbehave and prepares for that reality. Multi-chain systems need this level of caution because mistakes spread quickly.
There’s also an institutional angle. As tokenized assets grow, big players won’t tolerate navigating dozens of bridges and wrappers. They will want standardization and predictable risk. Falcon’s structure fits that need. It doesn’t feel built only for retail—it feels like something future treasuries, funds, DAOs, and RWA issuers could rely on.
USDf plays a key role. It becomes the unit that travels across chains while the real collateral stays safely anchored. The more USDf is used, the more demand flows back to the underlying collateral layer. This creates a natural flywheel: more usage → deeper collateral → broader adoption.
What makes Falcon especially interesting is its neutrality. It isn’t trying to dominate trading, lending, or payments. It simply wants to sit underneath everything. That neutrality makes it easier to trust as shared infrastructure.
For users, this shifts how we think. Instead of asking “Which chain should I commit to?” the question becomes “Where do I want my collateral to be active today?” The collateral itself stops caring about chain boundaries.
A unified backbone also changes how failures are absorbed. Today, when a protocol or bridge fails, collateral often gets trapped or lost. A centralized collateral layer can’t fix everything, but it can reduce the chances of total loss by anchoring value in a safer, coordinated system.
We often talk as if multi-chain DeFi is already connected. But true connection only happens when collateral is recognized consistently across environments. Falcon isn’t the completed version of that vision yet, but it’s clearly building toward it.
In the end, standards don’t become standards through hype—they become standards when enough builders and users find them easier to use than the alternatives.
DeFi’s future won’t be dominated by one chain. It will be a modular world of specialized ecosystems. And what ties them together won’t be bridges—it will be shared infrastructure that speaks a universal language of collateral.
Falcon Finance is trying to become fluent in that language.
Multi-chain finance without a collateral backbone leads to fragmentation.

With one, it becomes a connected network.

Falcon is building that quiet foundation—not a louder destination, but a deeper layer the entire system can depend on.
#FalconFinance @Falcon Finance $FF

Kite has always believed in a future where AI agents can handle everyday tasks smoothly and safely. That’s why the arrival of Google’s Agent Payments Protocol (AP2) feels like a perfect match for our vision. AP2 sets the standard for how AI agents make payments, while Kite provides the blockchain layer that actually processes and settles those transactions. Together, they create a complete system—AP2 defines what needs to happen, and Kite delivers how it happens.
We’re embracing AP2 because it aligns beautifully with our agent-first philosophy. By making Kite fully “AP2 compatible,” we aim to support easier adoption, encourage innovation, and help the entire ecosystem grow. Our goal is to build smooth integrations, reference examples, and developer-friendly tools that make AP2 more accessible for everyone.
What Exactly Is AP2?
AP2 is an open standard designed to let AI agents make payments securely on behalf of users. It is being developed with help from more than 60 global leaders—including Mastercard, PayPal, Coinbase, Adyen, and American Express.
Think of AP2 as a universal language for payments. Whether the transaction uses credit cards, stablecoins, bank transfers, or something else, AP2 ensures the same core principles:

clear authorization, strong verification, and transparent accountability.
For Kite, AP2 fits directly into our broader roadmap, especially the upcoming Kite AIR app store, where agent-powered applications can operate and monetize safely. AP2 provides the trust layer for agent payments, while Kite’s AI-native blockchain ensures those payments can be executed and settled quickly, securely, and at scale.
Why AP2 Matters for the Future
Today’s payment systems still assume that a human clicks “buy” or confirms a screen. But in the next phase of the internet, AI agents will take over many of those tasks—finding flights, renewing subscriptions, buying groceries, and more.
Without a shared standard, this shift could lead to confusion, fraud, or incompatible systems. AP2 solves this by giving AI agents a trusted, consistent way to interact.
AP2 also connects with Web3 through extensions like A2A x402, opening doors for crypto payments and stablecoin transactions. This is essential for the coming “agentic internet,” where AI agents operate across traditional finance and blockchain with the same level of trust.
How AP2 Works in Simple Terms
At the core of AP2 are Mandates—secure digital instructions signed by the user.
For instant purchases, you give an Intent Mandate (“Find me running shoes”), and your agent later sends a Cart Mandate for final approval.For ongoing tasks, like auto-buying concert tickets, the Intent Mandate sets the rules. Your agent then generates Cart Mandates only when the conditions match.
This creates a transparent trail that links your intention to the final payment, making each step safe and verifiable. Google has also released open-source documentation and developer kits, making it easier for builders to start using AP2 in real applications.
Where Kite Comes In: The Settlement Backbone
AP2 defines how agent payments should work. Kite makes those payments real.
Much like ERC-20 tokens rely on Ethereum for transaction settlement, AP2 relies on execution layers like Kite to bring transactions to life.
AP2 covers the “what” — authorization, mandates, complianceKite delivers the “how” — execution, settlement, interoperability
This harmony makes Kite and AP2 a powerful combination. We’re committed to strengthening this connection through integrations, reference implementations, and advanced features that make it easier for developers to build AP2-ready applications.
Together, Kite and AP2 can unlock new experiences—from automated shopping to smarter B2B purchasing—pushing the world closer to reliable, agent-driven commerce.
Looking Ahead
We believe AP2 is a major leap toward a future where AI agents can transact with full trust and independence. At Kite, we’re excited to help build that future by becoming a key settlement layer for secure agent payments.
If you’re exploring AI-powered payments or building agent-first applications, we invite you to join us in shaping this new digital economy—one where AI agents can act safely, confidently, and autonomously.
#KITE @KITE AI $KITE

We’ve entered a new moment for tokenized stocks. They are no longer just digital versions of company shares. Today, they unlock real on-chain liquidity and allow users to earn yield while still keeping full exposure to companies like Tesla or Nvidia. This shift is changing how people move capital, how collateral works, and how users interact with both traditional and blockchain-based markets.
Recently, Falcon Finance hosted a live X Space to explore this transformation. Two experts joined the conversation:

Leo, Marketing Manager at xStocks & Backed, and Artem, Chief RWA Officer at Falcon Finance.

Together, they broke down how tokenized stocks actually work, why investors are adopting them, and what the future might look like when most major assets live directly onchain.
A New Chapter for Tokenized Equities
Leo explained how quickly things have changed. A few years ago, mixing stocks with blockchain felt strange for many people. But today, institutions understand blockchain better, regulations are developing, and users are comfortable handling their own digital assets through secure, self-custodial tools.
In this environment, tokenized stocks like those from xStocks are not synthetic products or CFDs. These tokens are backed one-to-one by real shares held with regulated custodians. This means an AAPLx or TSLAx token always represents an actual share stored safely in a segregated account. These aren’t just digital numbers—they are real assets that now live onchain.
Why Falcon Finance Added Tokenized Stocks
Artem shared that Falcon’s thinking is simple:

DeFi should not be limited to crypto tokens alone.
If users can hold traditional equities onchain in a legal and transparent way, those assets should also plug into the same DeFi systems used by ETH, BTC, and stablecoins.
With tokenized stocks as collateral, Falcon users can create new strategies. For example:
A user can hold tokenized Tesla or S&P exposure,Mint USDf against that collateral,And earn delta-neutral yield through Falcon’s diversified strategies.
The collateral—whether BTC, stablecoins, or tokenized stocks—remains in a protected reserve. Falcon’s USDf yield does not depend on the asset’s direction. Instead, it comes from market-neutral activities like arbitrage, funding farming, options-based portfolios, and other transparent strategies shared on Falcon’s transparency page.
Where Users Can Access Tokenized Stocks
Leo explained that Backed is responsible for issuing xStocks, while many partners help distribute them. These include:
Global exchanges like Kraken,Wallets such as Phantom and Solflare,Telegram-based apps and onchain vaults.
Minting and redeeming is available to verified institutions and qualified retail users, depending on local regulations. Every country’s rules differ, so availability varies case by case.
How Tokenized Stocks Work Inside Falcon
Once a Falcon user completes KYC, using tokenized equities feels very similar to using ETH or BTC.
Falcon’s Classic Mint requires a minimum of 10,000 USDf. Artem gave an example:

Holding around 30 TSLAx, valued at roughly 13,000 USD, is enough to mint about 10,000 USDf after Falcon’s 20% overcollateralization requirement.
After minting:
The user still keeps their Tesla exposure,Gains fully liquid onchain USD,And can earn yield or use that liquidity across DeFi.
You stay invested, stay liquid, and stay onchain.
Turning Tesla Into Working Liquidity
Artem described a common scenario:

Many people own valuable Tesla stock but don’t want to sell it. Tokenized stocks provide a way to unlock liquidity without giving up their position.
The user can:
Use TSLAx as collateral,Mint USDf,And deploy that liquidity in lending, liquidity pools, or Falcon’s yield strategies.
Instead of choosing between “sell” or “hold,” tokenized stocks offer a third path: stay invested and stay liquid.
Who Uses Tokenized Stocks Today
Leo highlighted three major user groups:
Crypto-native users, mainly in Asia, who want exposure to large stocks without leaving blockchain rails.Centralized exchange users, who access tokenized stocks through platforms like Kraken or Bybit.Traditional investors, who are discovering crypto because it offers lower fees, real ownership, and fast settlement.
Demand is naturally highest for familiar names: Tesla, Nvidia, Circle, Coinbase, AMD, and emerging crypto-focused companies like BitMine and SharpLink.
How xStocks Are Used Outside Falcon
The xStocks ecosystem is already growing fast. According to Leo:
Users can borrow and lend on Kamino.They can provide liquidity on Raydium pools and earn fees.Market makers keep token prices aligned with real-world shares through RFQ systems that connect to Jupiter and Pyth Express Relay.
There is also work underway to create onchain ETF-style products using xStocks, bringing traditional market structures into the DeFi world.
Falcon’s Future Collateral Plans
Artem shared that Falcon’s roadmap is straightforward:

If an asset can safely live onchain and has good liquidity, Falcon aims to support it.
Today that includes tokenized treasuries, crypto assets, and tokenized stocks.

Next could be:
Short-duration notes,Tokenized credit products,CLO tranches,And non-USD treasury assets.
Each new asset type expands the strategies users can build using USDf as the core liquidity layer.
What 2030 Could Look Like
Looking ahead, Artem imagines a world where the boundary between traditional finance and onchain markets disappears. Users won’t ask “Is this onchain or offchain?”—they’ll simply choose the fastest, most transparent system.
Onchain rails are more efficient for liquid global assets like equities, bonds, gold, and major currencies. Falcon aims to make these assets usable in DeFi as collateral, liquidity, and programmable components.
Leo added that this shift is happening faster than many realize. xStocks were launched only a few months ago and have already crossed billions in trading volume. Interest is coming not only from crypto users but also from major traditional players like NASDAQ and BlackRock, who are exploring their own tokenized equity systems.
The big question now is whether the industry will keep these systems open and accessible, or restrict them behind gatekeeping.
Final Thoughts
By the end of the session, one message stood out clearly:
Falcon and Backed are not just putting equities onchain—they are transforming what those equities can do.
A Tesla share no longer needs to sit unused in a brokerage account.

In tokenized form, it can:
Stay fully collateralized and protected,Be used to mint liquidity,Earn yield through DeFi strategies,And still give the user full exposure to the underlying stock.
Capital that used to be “locked” can now move freely without losing investment exposure.

This is the true power of tokenized stocks on Falcon: real assets, real ownership, real liquidity—fully onchain.
#FalconFinance @Falcon Finance $FF

The global payments industry is growing fast. According to research, it may rise from $3.16 trillion in 2025 to more than $5.3 trillion by 2030. In traditional finance, people already have access to many types of ETFs that follow different trading styles—like covered calls, volatility strategies, and managed equity approaches. These products make it easy for anyone to earn structured yield without needing deep financial knowledge.
For example:
The JEPI ETF by JPMorgan has delivered around 8–9% yearly, using a covered call strategy.The SVOL ETF earns 10–12% annually by shorting volatility with hedging.The SYLD ETF has generated over 11% yearly by choosing companies that return capital to shareholders.
But in Web3, most of these structured yield strategies still do not exist in tokenized form. A few projects, like Ethena’s USDe, have shown that on-chain versions of complex financial strategies can work. Still, the wider market is missing tokenized versions of other advanced strategies such as risk-parity models, volatility plays, hedged equity products, or trend-following futures.
This gap opens a large opportunity:

bringing real, institutional-level trading strategies on-chain and making them accessible to everyone.
Introducing the Financial Abstraction Layer (FAL)

To solve this, Lorenzo created the Financial Abstraction Layer (FAL) — the backbone that turns complicated financial strategies into simple, usable, on-chain products.
FAL acts like a layer that:
Tokenizes strategiesExecutes tradesManages fund operationsDistributes yieldConnects DeFi and CeFi in a single seamless system
It is the engine behind On-chain Traded Funds (OTFs), handling everything from capital routing to NAV accounting to yield payouts.

How FAL Works — A Simple Three-Step Model

FAL is built around a clear and transparent cycle:
1. On-Chain Fundraising
Users deposit funds into smart contracts.In return, they receive tokenized shares that represent their portion of the fund.
2. Off-Chain Trading Execution
The collected capital is used to run real financial strategies, such as:
Arbitrage between exchangesDelta-neutral tradingVolatility harvestingOther active or automated methods
These strategies are managed by approved trading firms or automated systems with clear rules.
3. On-Chain Settlement & Distribution
After trades are completed:
Profits and losses are pushed back on-chainFAL updates performance, NAV, and payoutsUsers receive yield through tokens, claimable rewards, or fixed-maturity assets
This brings professional-grade financial operations into a fully transparent blockchain environment.
What Are On-Chain Traded Funds (OTFs)?
OTFs are blockchain-based versions of ETFs. They are fully tokenized funds that live on-chain and are managed by issuers who use Lorenzo’s infrastructure.
Each OTF represents exposure to a trading strategy or a combination of strategies.
OTFs are different from traditional ETFs because they:
Use smart contracts for real-time NAV updatesIssue and redeem tokens directly on-chainIntegrate instantly with wallets, dApps, and DeFi protocolsAllow both retail and institutional users to choose very specific strategy exposures

Strategies That OTFs Can Support

OTFs can represent a wide range of trading styles, such as:
Delta-neutral arbitrage across CEXs and DEXsCovered call income strategiesVolatility harvesting (short VIX, hedged positions)Risk-parity portfoliosTrend-following or managed futuresPerpetual funding rate optimizationTokenized CeFi lending or RWA-backed income
This brings traditional financial diversity into Web3 in a modular, customizable format.
FAL + OTF = Scalable, Modular, On-Chain Finance
Together, FAL and OTFs create a powerful new building block for the crypto space:
“Tokenized access to actively managed trading strategies, with modular yield mechanics, fully governed and settled on-chain.”
This combination unlocks:
Institutional-quality yield for everyday DeFi usersTransparent access to active trading strategiesCustom yield profiles based on personal risk preferencesA scalable framework that any protocol can build on
With $BANK and Lorenzo’s infrastructure, a new generation of on-chain investment products becomes possible — simple, secure, and accessible to all.
#LorenzoProtocol @Lorenzo Protocol $BANK

The BANK token is the main utility and governance token for the Lorenzo ecosystem. It is designed as a digital tool that helps the platform run smoothly, while giving active users a fair voice and rewards for their participation. You can think of BANK as a token that represents your contribution and level of involvement in Lorenzo — not ownership in a company.
What BANK Meant For
BANK a multi-purpose token used inside the Lorenzo platform. Its goal is to encourage people to take part in the ecosystem, support the protocol, and help it grow. Users who are active, contribute value, or complete transactions on Lorenzo can earn BANK rewards.

Those who don’t participate will not receive incentives — rewards are based only on real activity.
The token is essential for the platform’s health. Without $BANK , users would have no reason to spend time, effort, or resources helping the system function.
What BANK Token Meant
Holding BANK mean you own shares in Lorenzo or its partner companies.

It does not promise profits, dividends, or returns.

It is also not considered a security in major jurisdictions like Singapore or the British Virgin Islands.
BANK only to be used inside Lorenzo’s ecosystem — it has no external rights or guarantees. The price of BANK markets is not managed or controlled by the Lorenzo team.
Lorenzo’s Journey So Far
Lorenzo started as one of the earliest BTCFi staking platforms. Over time, it evolved into a full-scale asset management system built for institutional-level yield strategies.
Today, Lorenzo has:
Integrated with 20+ different blockchainsConnected to 30+ DeFi protocolsHelped manage over $600M in BTC through products like stBTC and enzoBTC
Now, BANK is the token powering governance, community incentives, and the long-term sustainability of this growing ecosystem.
Token Supply & Allocation
Total supply: 2,100,000,000 BANKInitial circulating supply: 20.25%
The entire supply will be divided across ecosystem needs such as governance, rewards, community initiatives, and long-term development.
Unlock Schedule
All BANK tokens will unlock gradually over 60 months.

To protect the community and ensure long-term alignment, no tokens for the team, early buyers, advisors, or the treasury will unlock during the first year.
What You Can Do With $BANK
BANK main functions inside Lorenzo:
1. Staking
Users can stake BANK for special benefits like:
Access to governanceAbility to voteExclusive featuresInfluence over incentive gauges and reward flows
2. Governance
BANK vote on key decisions, including:
Product and protocol changesFee adjustmentsAllocation of ecosystem growth fundsFuture emission updates
This makes governance community-driven and transparent.
3. Rewards for Active Users
A portion of the protocol’s revenue will be used to reward users who:
Use the platform regularlyVote on proposalsJoin campaignsTake part in community activities
Active participation = More BANK is Introducing veBANK (Vote-Escrowed BANK)
To activate all BANK tokens can lock their tokens to receive veBANK — a special non-transferable token used for governance.
How veBANK works:
The longer you lock $BANK , the more voting power you receive.veBANK holders can vote on incentive gauges.Long-term lockers earn boosted rewards and more influence in governance.
This ensures the protocol is guided by people truly committed to its future.
#LorenzoProtocol @Lorenzo Protocol $BANK

Kite AI has revealed its new Kite AI Ecosystem Map, showing how a wide network of leading tech and blockchain partners is helping autonomous AI agents work smoothly across both Web2 and Web3.

This ecosystem brings together cloud platforms, AI models, payment systems, and blockchain tools—creating a strong foundation for agents that can think, act, transact, and coordinate on their own.
Connecting Two Digital Worlds
AI agents today must move freely between Web2 and Web3. They need to store data, run models, process payments, and complete on-chain actions without waiting for human input.

Kite AI provides the trust, identity, and payment systems required to make this possible—acting as the “bridge” that connects traditional tech with decentralized infrastructure.
Web2 Partners: Scale, Intelligence, and Global Reach
Kite AI collaborates with major Web2 players that power the modern internet. Each partner gives agents new abilities:
Google – Secure cloud storage and fast data processing.

Amazon – Global e-commerce access, price comparisons, and automated order fulfillment.

Meta (Llama models) – Strong language understanding and generation.

DeepSeek – AI models focused on advanced, domain-specific reasoning.

Alibaba – Cross-border shopping and supply-chain visibility.

Shopify – Payments and commerce tools across millions of stores.

Claude (Anthropic) – High-level reasoning and problem-solving.
These integrations give AI agents the same tools humans use every day—only now, agents can use them automatically.
Web3 Partners: Trustless Logic and Programmable Money
On the blockchain side, Kite AI works with leading decentralized infrastructure projects:
Solayer + EigenLayer – Restaking systems on Solana and Ethereum to boost capital efficiency.

Huma Finance – Real-world asset credit access for autonomous agent operations.

LayerZero – Cross-chain messaging so agents can act across multiple chains.

Chainlink – Reliable oracles and real-world data feeds.

Privy – Embedded wallets and smooth user authentication.

Different Wallets – Secure transaction execution for agents.
Kite AI also works closely with next-generation AI and data teams such as 0G, Sentient, Virtuals, Codatta, Vana, Story, and Flock, strengthening the network’s intelligence layer.
A Complete Ecosystem for Agent Payments
Many platforms focus on either Web2 or Web3.

Kite AI is unique because it unites both—giving agents the scale of Web2 and the trustless programmability of Web3.
The ecosystem shows one clear fact:

Autonomous agents must operate everywhere—not in isolated systems.
What This Means for Builders
Developers building AI agents now have access to powerful new possibilities:
Store data on Google Cloud and settle payments on EthereumLet agents shop on Amazon with smart contract spending rulesUse Claude for reasoning while executing payments through Coinbase WalletCoordinate across chains using LayerZeroAccess onchain credit through HumaBoost capital efficiency using restaking
All of this is powered by Kite AI’s trust layer, Agent Passport identity system, governance tools, and payment rails—making agent operations safe, scalable, and transparent.
Join the Ecosystem
The companies in this map form the early foundation of the agentic internet.

But the network is growing fast. As more agents launch and new industries adopt automation, the Kite AI ecosystem will continue expanding.
If you’re building the future of autonomous AI, this is your chance to join a network designed for real, practical use cases across Web2 and Web3.
The agent-driven future isn’t a prediction—it’s happening right now, and Kite AI is building the core rails that make it possible.
About Kite AI
Kite AI is creating the base layer for the agentic internet—a decentralized system that lets autonomous agents authenticate, transact, and coordinate without middlemen.

Using an open network design and a protocol-to-protocol token model, Kite AI supports identity, payments, governance, and interoperability while enabling long-term sustainability for the entire ecosystem.
#KITE @KITE AI $KITE