Kiva Protocol

Digital infrastructure for inclusive financial systems

Kiva will sunset operations of Kiva Protocol, effective June 30, 2022. To learn more, read the announcement on our blog.

The 1.7 billion adults worldwide who are financially excluded may have years of exceptional credit history outside traditional financial institutions. Because this history is disconnected from the bank down the street, large populations overpay for credit and are denied access to the formal financial sector, keeping them vulnerable to financial shocks.

Kiva Protocol was designed to break this cycle with a decentralized digital identity platform empowering financially underserved individuals to verify informal and formal past financial history. With just a thumbprint, users could be able to record their financial transactions, transfer that information between institutions, and gain access to formal bank accounts.

Kiva Protocol wins the World Bank 2020 Mission Billion Challenge Global Prize.

Selected as the best solution to “ensure the inclusivity of ID systems for vulnerable groups” worldwide.
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Kiva Protocol, a secure, open-source technology platform to enable identity verification and authentication for Know Your Customer-compliant account access and ongoing customer due diligence.

Designed to be deployed at national scale, and implemented in conjunction with modernized regulatory frameworks, Protocol launched in 2018 to enable countries to advance financial inclusion goals and empower entire financial ecosystems – individuals, government agencies, informal market actors, and formal financial institutions.

Working with partners at the Bank of Sierra Leone, the National Civil Registration Authority, and UN Capital Development Fund, Kiva launched the first country-level implementation of Kiva Protocol in Sierra Leone in 2019.

Developer resources from Kiva Protocol can be found here, where we will continue to develop and share insights and lessons learned.