Q3 2025 Quarterly Update

1) Kinesis Virtual Card Update

1a) United States, Latin America & Caribbean

• Beta testing for the Kinesis Virtual Card begins December, ahead of the official Q1 2026 launch.
• A limited group of users will test spending with:
  • Gold
  • Silver
  • Digital assets
  • Currency One USD (C1USD)
• Upon full launch (Q1 2026), users across 39 regions, including the US, will receive:
  • 2% cashback in gold (KAU)
  • 1% contribution to the master fee pool paid by Kinesis
  • Zero subscription fees

Key Card Features:

• Pay with gold, crypto & C1USD
• 0.22% low conversion fee
• $10,000 daily spending limit
• 0% conversion fees on C1USD
• Availability in 40+ countries

User Benefits:

• Spend in US dollars via C1USD with no conversion costs
• Save in gold while transacting in familiar currency
• Broader accessibility for mainstream users

1b) UK, Europe, Canada & Australia Expansion

• After the Q1 launch in the Americas, Kinesis will expand into 10 additional markets using its in-house card technology.
• Expansion regions include:
  • United Kingdom
  • Australia
  • Canada
  • Germany
  • Netherlands
  • Poland
  • Belgium
  • Spain
  • Switzerland
  • One Southeast Asian country (TBC)

Community Impact:

• Kinesis covers 1% of transaction value into the master fee pool
• Increased everyday gold and silver usage drives platform growth
• Higher transaction volume enhances yields for all users

2) Currency One USD (C1USD)

• Introduced in September, C1USD is a USD-pegged stablecoin (1:1).
• Verified users earn yield with:
  • No lock-up period
• Enables:
  • Instant transfers
  • Trading on Ethereum and Stellar
  • Ultra-low transfer costs via Stellar
• All C1USD transactions:
  • Increase platform activity
  • Boost yield distribution to users
• Institutional and TradFi/DeFi adoption underway
• External exchange listings are in advanced stages
• Users must hold C1USD on-platform to earn yield
• Issued by Kinesis Money Panama S.A.

2a) C1USD Yield Program

• Monthly yield paid in C1USD
• Distributed at month-end
• Initial rate:
  • 7.5% APY
• Yield rate reviewed quarterly

2b) Currency One Suite (Hybrid Accounts)

• Expansion into a full suite of native stablecoins, each:
  • Pegged 1:1 to major global currencies
• Fully integrated into the Kinesis ecosystem
• Enables:
  • Hybrid accounts
  • Instant global transfers
  • Seamless currency-to-currency exchanges

2c) Currency One – Key Features

• Global transfers for less than $0.01
• Access to seven native stablecoins
• Real-time settlements with deep liquidity
• Multi-chain availability:
  • Stellar
  • Solana
  • Ethereum (ERC-20)
• Direct fiat-to-C1USD onramps
• Built-in merchant and retail payment support

3) Kinesis Pay Now Supports 40+ Digital Assets

• Merchants can now accept 40+ cryptocurrencies, including:
  • Bitcoin
  • Ethereum
  • Gold (KAU)
  • Silver (KAG)
  • C1USD
• 30 new assets added
• Payments settle in seconds
• 0% transaction fees for:
  • Merchants
  • Customers
• Merchant map available on the Kinesis platform:
  • Helps customers locate accepting businesses
  • Boosts merchant visibility
• Available on:
  • Desktop
  • Android
  • iOS coming soon

Merchant Setup:

• Integration tools available on the Kinesis platform
• Step-by-step setup guide provided

Future Expansion:

• Additional native stablecoins coming to Kinesis Pay
• Supports global fiat-backed payments
• Strengthens worldwide business adoption

4) New USD Deposit Options

• Kinesis now supports local ACH USD deposits in the US
• Improves accessibility in the American market
• Makes funding accounts faster and easier
• Supports upcoming US card rollout
• Enables users to spend gold more easily in daily life

5) Expansion Across African Regions

• Kinesis integrated with Yellow Card, Africa’s leading payments provider
• Supported countries:
  • Nigeria
  • Zambia
  • Kenya
• Users deposit local currency and receive C1USD instantly
• Supported deposit methods:
  • Bank transfers
  • Mobile money
  • Electronic fund transfers
• Positions Kinesis for wider African growth
• Addresses demand for:
  • Stability
  • Low-cost finance
  • Cross-border access

What to Expect in Q4 and Beyond

6) Merchant Directory

• A public business directory launching on the Kinesis website
• Each listing will include:
  • Business website
  • Social media links
  • Promotional offers
• Helps users find Kinesis Pay merchants easily
• Creates a global discovery hub
• Strengthens merchant visibility and customer engagement

7) Gold (KAU) and Silver (KAG) on Multiple Blockchains

• KAU and KAG expanding to:
  • Stellar
  • Solana
  • Ethereum (ERC-20)
• In addition to Kinesis’ proprietary Stellar fork
• Enables:
  • Easier deposits and withdrawals
  • Multi-network asset transfers
• Yield payments remain unchanged across all supported networks
• Improves flexibility, accessibility, and transaction efficiency