Q3 2025 Quarterly Update

In our latest update, Kinesis CEO and founder Thomas Coughlin reflects on the key milestones achieved in the third quarter of 2025 and shares insight into the developments shaping the final months of the year and the road ahead.

Kinesis Virtual Card update: US, LatAm & Caribbean programme

We will begin Beta testing for the US, Latin America, and Caribbean Kinesis Virtual Card launch in December, ahead of a Q1 2026 official card launch. The Beta program will allow a closed group of Kinesis users to make purchases with gold, silver, digital assets and C1USD for everyday spending.

Upon the Q1 launch, the Kinesis Card programme offers users across 39 regions, including the US, a promotional offer of:

• 2% cashback in gold (KAU)*

• 1% Kinesis contribution to the master fee pool – at no cost to the user

• No subscription fees

We’ve listened to your feedback, and the card delivers core functionality the Kinesis community has requested.

• Make purchases with gold, crypto & C1USD
• Low 0.22% conversion fee
• High $10,000 daily spend limit
• Spend C1USD with 0% conversion fees**
• Available in 40+ regions worldwide
  

To ensure fairness, the 2% cashback in gold and no subscription fees will be applied for all users, including users who pre-registered and those from regions where pre-registration isn’t open.

Additionally, the pre-registration of all users in Latin America who pre-registered for the previous card programme will automatically carry over for the Q1 card launch.

The ability to spend C1USD with zero conversion fees opens up the platform to a much broader retail audience. More mainstream users can transact in the familiarity of the dollar, while saving in gold each month.

The launch of the Kinesis Card in our core region is a significant milestone for the Kinesis Monetary System.

* Cashback is only available up to a maximum $2,000 spent per month – a maximum total earning of $480 per year. All cashback will be paid monthly. See Cashback T&Cs.

** FX fees apply on transactions outside of the US and Puerto Rico.

Kinesis Virtual Card Update: UK, Europe, Canada & Australia programme

Following an inordinate delay and an eventual decision to pivot away from our previous third-party vendor, we are now deploying a more robust internal card solution.

As a result, the Kinesis Virtual Card will not be launching this quarter across: UK, Europe, Australia and Canada, as originally planned. Instead, users in the USA, Caribbean and Latin America will be first to receive the card. 

To prepare for this possibility, for the last year, the Kinesis team has been developing a new solution that gives us full autonomy, enhanced reliability, built-in redundancies and is designed to deliver the continuity of service our users expect. Crucially, it also enables the rapid rollout of the card to additional regions.

The next phase of the roll out

Following the Q1 launch of Kinesis Virtual Card in the United States, Latin America, and the Caribbean, we will next bring the card programme online in 10 more key markets, utilising the technology and efficiencies of our established internal card solution. We have chosen a few key regions based on where we have received the most pre-registrations and where we have commercial partnerships lined up:

• United Kingdom
• Australia
• Canada
• Germany
• Netherlands
• Poland
• Belgium
• Spain
• Switzerland 

• South East Asian country to be confirmed

If you pre-registered for the Kinesis Virtual Card in the following regions, your pre-registration automatically carries over to the upcoming card programmes: 2% cashback in gold on up to $2,000 spent monthly and no subscription fees (minimum six months free).

We will contact all pre-registrants via email to provide a personalised update on the status of their pre-registration.

For users who fall outside the top ten regions, we thank you for your interest. To ensure the card is commercially viable, we have prioritised rollout based on demand. Additionally, we’ll be adding a way for other users to submit their interest for the card in regions where the card isn’t available. While pre-registration benefits only apply to confirmed launch regions, your interest will help guide where the Kinesis Virtual Card is made available next.

With Kinesis contributing 1% of each transaction to the master fee pool at no cost to users, the card programme is positioned to meaningfully contribute to yields for the entire community – starting with our US launch, Kinesis’ largest market and epicentre of the sound money movement.

By driving everyday gold and silver transactions at scale, the card becomes a growth engine that benefits all Kinesis users. As adoption expands and transaction volumes increase, every user benefits.

Currency One USD (C1USD)

In September, Kinesis adopted C1USD, a 1:1 USD-pegged stablecoin. 

Verified Kinesis users holding C1USD in their accounts are eligible to receive a yield on their balance, with no lock-up required.

C1USD allows Kinesis users to receive funds instantly and trade across both Ethereum and Stellar. Additionally, Stellar offers ultra-low-cost transfers.

Every Currency One USD transaction on the platform adds to the overall volume within the Kinesis system, which in turn increases the yields distributed back to Kinesis users across the platform.

Currency One USD is gearing up to be an appealing asset to a wide range of institutions, while also enabling deployment across TradFi and DeFi markets, with Kinesis already in advanced stages of external exchange listings. 

As users will need to send Currency One USD back onto the platform to access a yield, the stablecoin can serve as a powerful marketing tool and onboarding mechanism for the Kinesis platform. 

Currency One USD is issued by Kinesis Money Panama S.A. (“Kinesis Panama”)

The C1USD Yield

The C1USD Yield rewards holders with monthly payouts on the C1USD balance held in their verified Kinesis accounts – paid in C1USD at the end of each month.

At launch, the variable yield is set at 7.5% APY*, with a quarterly rate review of the rate conducted each quarter.

*The introductory yield rate is available only to verified Kinesis users (KYC required), terms and conditions apply. The APY is subject to quarterly review. Currency One USD is issued by Kinesis Money Panama S.A. (“Kinesis Panama”). 

Currency One Suite (Hybrid Accounts)

With the successful launch of C1USD, Kinesis has laid the groundwork for the full Currency One suite, bringing unprecedented diversification to the market. This suite will introduce native stablecoins, each pegged 1:1 to major global currencies and issued by Kinesis Money Panama S.A. for use across the Kinesis platform.

Just as with Currency One USD, all Kinesis stablecoins will be fully integrated across the Kinesis ecosystem, giving users greater functionality and versatility when operating with digital assets.

These stablecoins will enable Kinesis accounts to operate as hybrid accounts, providing fast, low-cost global transfers and seamless exchanges between C1USD and other native stablecoins, each pegged 1:1 to a currency.

Currency One Key features:

• Fast, low-cost global transfers: Send Currency One stablecoins over Stellar for less than a cent. 
• Deep liquidity: Instant access to seven native stablecoins, each pegged 1:1 to major global currencies with real-time settlement and competitive rates.
• Multi-chain support: Available on Stellar, Solana and Ethereum (ERC-20) and more coming online
• Direct onramps: Convert local fiat directly into C1USD
• Integrated payments: Merchant and retail payments fully supported within the Kinesis ecosystem.

As the suite expands, we will introduce new asset classes and forge high-value institutional and public–private integrations, all contributing to the growing yield pool shared with Kinesis users.

The launch of the Currency One suite is set to transform the Kinesis platform into a multi-currency digital ecosystem, offering fiat-pegged stablecoins for global accessibility, cost-efficiency, and speed in everyday transactions.

With Currency One stablecoins central to platform functionality, Kinesis will deliver greater freedom and broader financial access to our global user base.

Kinesis Pay now supports 40+ digital assets with 0% transaction fees

Kinesis Pay now enables businesses to accept payments in over 40 digital assets, including Bitcoin, Ethereum, and Kinesis’ native assets: gold, silver, and USD-pegged stablecoin, Currency One USD. With 30 new assets added, Kinesis Pay is among the most diverse payment solutions available. See the full list here.

Payments are now settled in seconds across all supported assets, ensuring a seamless experience for merchants and customers. Importantly, Kinesis Pay purchases carry zero transaction fees for both merchants and customers, enabling businesses to integrate and operate at no cost while offering international payments in gold, silver, and a wide range of digital assets.

With the Kinesis Pay merchant map accessible on the Kinesis website and platform, customers can easily find businesses accepting gold, silver, and digital asset payments. For merchants, a listing boosts visibility and helps attract customers seeking alternative payment solutions.

The update is live on the Kinesis desktop platform and Android app, with iOS coming soon. 

How do I add Kinesis Pay to my business?

If you would like to integrate Kinesis Pay into your business website, head over to the Kinesis platform, where you’ll find all the tools and resources you need.

Find out how to set up the Kinesis Pay with our step-by-step guide.

Looking ahead, Kinesis will integrate a suite of new native stablecoins – each pegged 1:1 with major global currencies – into Kinesis Pay, alongside the existing Currency One USD. 

This expansion will further position Kinesis Pay as a global payment solution, allowing businesses to efficiently process payments in fiat-backed stablecoins, while driving the international adoption of their services.

New USD deposit options

Building on the success of our new onramping options, Kinesis has expanded its range of local USD deposit methods across America to now include local ACH transfers.

This addition marks an important step in making Kinesis more accessible and lowering the barrier to entry across our core US market. As we work towards bringing the Kinesis card to America, this new deposit option makes it easier than ever for our users to fund their Kinesis accounts and start spending gold as money.

As we continue to enhance on-ramping options within the platform, we are also developing efficient, low-cost withdrawal solutions. We recognise that getting your fiat funds out is just as important as depositing them for users choosing Kinesis as their primary financial platform.

Head over to your Kinesis account and log in to view your new local deposit option.

As a reminder, Kinesis will never email you account details or ask for login credentials, verification codes or fund transfers. Please remain vigilant against potential fraud and only follow official platform instructions.

NOTE: Always use the Kinesis platform to review what banking solutions are available at the time of deposit, as deposit options do update frequently.

Kinesis Expands across African Regions

Kinesis has integrated with Yellow Card, Africa’s leading payment services platform, providing seamless, low-cost fiat deposits for users in Nigeria, Zambia, and Kenya through regionally supported payment methods.

Once deposited in their local currency, users are credited instantly with the USD-pegged stablecoin Currency One USD (C1USD), enabling them to start trading, sending, and earning on the Kinesis platform. Supported regional options include Bank Transfer, Mobile Money, and Electronic Fund Transfer, giving users greater flexibility and access.

See the full breakdown of the fees and limits for each payment method here.

Kinesis continues to streamline platform on-ramps and expand its global footprint. The Yellow Card integration sets the stage for further expansion into African regions where accessible, stable, and low-cost financial solutions are in high demand, supporting the growing adoption of Kinesis across the continent.

New gold (KAU) & silver (KAG) pages

At Kinesis, we are committed to continuously enhancing our users’ experience and deepening their understanding of our native gold and silver assets. As part of this commitment, we have comprehensively redesigned our gold and silver web pages, delivering a more engaging, visually refined, and informative experience for anyone exploring the Kinesis ecosystem. 

Our new branding and visual identity are now being gradually introduced across the entire Kinesis website, starting with the homepage and key sections such as our yields pages. These updates bring a clearer, more intuitive layout and reflect our broader mission to insert Kinesis into the mainstream, delivering a cohesive, modern experience across every digital touchpoint.

The new gold (KAU) and silver (KAG) pages highlight the versatility, stability, and enduring value of our assets, presenting information in a clear, accessible format. Users can now explore in-depth explanations of each asset, discover their practical applications, and see how gold can function as everyday money within a secure, metals-backed ecosystem.

The new pages also provide clear details on how users can earn passive monthly yields on their gold and silver holdings. Interactive features allow visitors to track  live gold and silver market data and up-to-date monthly yield payouts – without the need to log into the Kinesis platform. For existing users, this serves as a convenient overview of their yield earnings, while for new visitors, it acts as an informative onboarding tool, showcasing the benefits of holding Kinesis gold (KAU) and silver (KAG) in a transparent and accessible way.

We will continue introducing the new Kinesis branding through the rollout of additional refreshed pages, extending the updated design and enhanced user experience across the entire Kinesis website.

We invite you to explore the new gold and silver pages.

Updates to the Kinesis platform

To enhance user experience and engagement, we have introduced a new Favourites feature on the Kinesis Exchange tab across the platform and mobile app, allowing our users to create a personalised list of preferred trading pairs for easier monitoring.

Aligned with Kinesis’ mission to provide an intuitive, professional-grade trading tool, this feature lets users track their preferred markets, review price movements, and make informed decisions more efficiently. The Favourites feature enhances usability while laying the groundwork for future initiatives such as trading insights and behavioural analytics.

What else to expect in Q4 and beyond

Merchant Directory

In the coming months, Kinesis Merchants will be able to showcase their businesses through a dedicated Merchant Directory on the Kinesis website. Each listing will feature the business’s website, social links, and special offers, giving merchants greater visibility as official Kinesis Pay partners.

The public-facing directory will make merchants easier to find online and connect them with an audience that values spending in gold, silver, and digital assets. This initiative creates a single global hub linking Kinesis Pay merchants with users, helping businesses expand their reach and engage customers through exclusive rewards and offers.

Gold (KAU) and silver (KAG) on Ethereum, Stellar and Solana

To align with industry standards and enhance accessibility, Kinesis will be introducing multi-network support for our native gold and silver assets, KAU and KAG. The upcoming blockchain expansion will enable users to transact seamlessly across Stellar, Solana and Ethereum (ERC20) networks, in addition to the existing Kinesis’ bespoke Stellar fork.

This development provides greater flexibility for users to send, receive, and manage their gold and silver-backed assets using their preferred network, streamlining deposits and withdrawals while maintaining the same simple transaction process. 

Regardless of the network selected, users holding gold (KAU) or silver (KAG) in their verified Kinesis accounts will continue to earn their monthly yields – with the added benefit of more accessible and efficient transfers across multiple blockchain ecosystems.

In summary

Enhancing our payment and on-ramping options remains at the heart of our strategy. This quarter, we have taken significant steps to expand access and functionality for our global user base. 

With the launch of Currency One USD, Kinesis has introduced the first of a suite of stablecoins pegged 1:1 to major global currencies, highly liquid stablecoins, integrated across the platform and offering users a monthly yield with no extra steps required. This milestone sets the stage for broader adoption of the full Currency One suite coming shortly.

In the US and Latin America, the Kinesis Virtual Card is approaching its Beta phase ahead of the official launch in Q1 2026. This early rollout will allow selected users to spend gold, silver, and Currency One USD (C1USD) for everyday payments.

Kinesis Pay payment functionality has further expanded, now supporting over 40 digital assets with instant, fee-free settlement for merchants and customers alike. Deposit options have also been broadened across America and Africa, enabling seamless, low-cost fiat on-ramps.

Together, these developments strengthen the Kinesis ecosystem, providing users with intuitive tools, diversified stablecoins, and real-world functionality, positioning the platform for ongoing growth and adoption.

We extend our appreciation to all members of the Kinesis community who join us on the path towards a sound monetary future for all.

Best regards,

Thomas Coughlin