For many unbanked individuals, lack of verifiable identity is a primary blocker to opening even a basic savings account. Kiva Protocol uses decentralized identity systems to enable countries to bring digital identity to everyone, regardless of their current level of digital inclusion.

Using established industry standards, open source technologies, and open sourcing Kiva Protocol itself allows the platform to be implemented, improved, and supported by anyone. This eliminates vendor lock-in that is typical in developing countries, and empowers each implementation to be customized based on local requirements.

We believe in the power of open source technologies:

Financial inclusion is only attainable with a federated, global approach. Proprietary systems limit availability and increase vendor lock. We must give equal access to everyone, which is possible via open source.

Financial inclusion happens at the local level. Domestic firms must be able to implement, support, and modify Kiva Protocol to meet their needs. There is no better way to do this than open source.

We wish to enable resilient families, communities, and countries. Building an open source community around Kiva Protocol is a step in that direction.