Kinesis Card Programme Update

Launch of New Global Card Infrastructure

Kinesis is pleased to share that we have selected our strategic partners for the next phase of our global card programme, marking a major milestone in our mission to deliver a resilient, worldwide payments solution.

• Development has begun on a flexible and globally integrated card system, designed with built-in redundancyand the ability to operate independently of any single card issuer.
• This new system architecture will allow Kinesis to interface with multiple regional card providers, ensuring that the platform can rapidly adapt to changing regulatory conditions or service availability, without disrupting user access.

Flexible Architecture: Built for Global Reach

• The primary benefit of our upgraded system is its ability to integrate once and deploy globally, avoiding the need for region-specific development from scratch.
• This universal approach enables:
  • Seamless onboarding of new providers across different regions
  • Rapid adaptability in case of disruptions or changes in service
  • Operational continuity for users, regardless of local or international factors
• Our new model separates programme providers from the core Kinesis platform, giving us the agility to plug in and remove regional partners with minimal friction.
• This setup is designed to deliver a consistent and reliable user experience across all markets.

Launch Roadmap and Target Markets

Development is already well underway, and we are actively progressing toward an end-of-October launch for the new Kinesis Card, with an initial rollout targeting:

• United States
• Latin America
• The Caribbean

Following this initial release, we will expand access to additional regions, leveraging our technology to integrate with local providers efficiently:

• Australia — Next in line for card programme activation
• Subsequent markets will include:
  • Europe
  • United Kingdom
  • Southeast Asia
  • Africa

Our selected partners are recognized global leaders in card issuance, with a strong track record of successfully managing high-performance, multi-region card systems.

Upcoming Credit Card Integration

• Alongside the debit card rollout, Kinesis is in the final stages of negotiation for a credit card partnership.
• This addition will bring deeper functionality to our financial ecosystem and introduce a mainstream rewards programme that complements our existing incentives.
• Users can look forward to:
  • Enhanced Metalback rewards
  • Familiar cashback benefits
  • Custom-tailored global rewards, seamlessly integrated into our platform

By integrating traditional and innovative financial reward mechanisms, we aim to expand user benefits while maintaining the uniqueness of Kinesis’ gold-backed value proposition.

Kinesis Virtual Card Update

Beta Launch Imminent

Following the previous card service disruption, our card provider Baanx has confirmed a Beta launch for the Kinesis Virtual Card will occur within this month.

• All development on Kinesis’ side is fully complete.
• We are currently awaiting delivery from Baanx, who is finalizing their system deployment.

To ensure a smooth rollout and gather valuable user feedback:

• We will initially release a fully functional, unbranded version of the Virtual Card to a closed beta group of 250 users.
• This group will test core features and payment functionality before full public release.

Full Public Launch and Cashback Activation

• The public launch of the branded Virtual Card is expected to follow 8 weeks after the Beta phase.
• Our cashback programme, which is already complete, will activate at this time.
• Key benefits for early users:
  • 2% cashback in gold on purchases up to $2,000 per month
  • 6 months free access to the cashback programme for all pre-registered users

Commitment to Timely Delivery

• Throughout the development process, Kinesis has met all internal milestones and continues to operate on schedule.
• We remain fully committed to delivering a reliable, globally scalable card solution, built to withstand the frequent disruptions that challenge traditional financial service models.
• Our team is prepared to activate the card system immediately upon finalization of the remaining commercial steps by our provider.

2025 Milestones: 6 Months in Review

KVT Now Tradable on the Kinesis Exchange

A major step forward for the Kinesis Monetary System was marked by the introduction of Kinesis Velocity Token (KVT)trading directly on the Kinesis Exchange—bringing added liquidity, accessibility, and utility to one of Kinesis’ foundational assets.

• Over the past four months alone, KVT holders collectively received more than $8 million in KVT Yields, comprising 75.478 kilograms of gold and 2,046.553 ounces of silver, as recognition for their ongoing support of the system.
• As a central component of Kinesis’ yield infrastructure, each KVT entitles its holder to a 20% share of all global transaction fee revenue, paid monthly in KAU (gold) and KAG (silver).
• With a strictly limited supply of 300,000 tokens, KVT offers scarcity-driven value, ensuring that each holder’s share grows in line with overall platform activity.

To further support market participation at any scale:

• KVT is now tradable in increments as small as 0.001 KVT.
• Four active trading pairs are available: KAU (gold), KAG (silver), USD, and USD1 (Currency One USD stablecoin).
• Earlier this year, KVT was migrated to the Stellar blockchain, allowing for low-cost, rapid, and highly divisible transactions worldwide.

Consistent Multi-Million Dollar Yield Payouts

Kinesis continued to showcase the real-world benefits of its yield-generating system through consecutive multi-million-dollar payouts across four major months of 2025:

• March: $4.13 million
• April: $6.27 million
• May: $8.55 million
• June: $15.22 million (a record-breaking total)

In just these four months, Kinesis distributed over 148.51 kilograms of gold and 1,534.91 ounces of silver to metal holders simply for storing their bullion on the platform—without paying any storage fees.

This ongoing success continues to differentiate Kinesis from traditional precious metal services by transforming gold and silver into yield-bearing assets—offering users financial security and monthly passive income during a time of global economic uncertainty.

New USD Deposit Options for U.S. Users

To improve local access and reduce transaction costs, Kinesis has launched new U.S. bank deposit methods for USD funding on the platform.

• These localised options allow for faster and more affordable deposits for users within the United States.
• Further enhancing the user experience, Kinesis has partnered with Pegasus, a global mobile wallet provider, to enable efficient USD deposits and withdrawals for U.S.-based users.

This expansion reflects Kinesis’ broader goal of making the Monetary System globally accessible, while remaining responsive to regional user needs and payment preferences.

Kinesis Pay Expands: 10 New Digital Assets Added

Kinesis Pay continues to evolve as a next-generation merchant payment tool, now supporting 10 additional cryptocurrencies, alongside existing gold (KAU), silver (KAG), and USD1 (stablecoin):

• Newly added assets:
  XLM, XRP, XDC, DASH, DOGE, TRX, AVAX, HBAR, USDC

With this update, merchants gain access to a broader customer base looking to transact beyond traditional finance. Enhanced payment flexibility is paired with:

• Smoother checkout experiences for consumers
• Increased visibility via the Kinesis Merchant Map
• A soon-to-launch Merchant Directory available directly through the Kinesis website and app interface

As Kinesis Pay adoption accelerates, the resulting increase in transaction volume further contributes to the Kinesis Yield Engine, directly benefiting all users through enhanced ecosystem velocity.

1 Month of Free NSBC Trade Alerts for Kinesis Users

As part of an ongoing collaboration with NorthStar & BadCharts (NSBC), Kinesis users can now access one month of free trade alerts, providing professional market insights across gold, silver, and cryptocurrency.

• Subscribers will receive timely, actionable analysis via email, drawing from over three decades of technical analysis experience by Patrick Karim and Kevin Wadsworth.
• NSBC’s popular show, Talking Trades—co-produced with Kinesis—continues to attract millions of views, helping to educate and engage investors globally.

This initiative not only enhances trading education for Kinesis users but also drives ongoing activity on the platform—feeding back into the monthly yield system with every transaction.

Kinesis Passes April 2025 Independent Audit

Reaffirming its dedication to full transparency and financial integrity, Kinesis once again successfully completed its biannual independent audit in April 2025, conducted by Inspectorate International, part of Bureau Veritas.

• The audit confirmed that, as of Wednesday, 16 April 2025, all KAU and KAG tokens were fully backed on a 1:1 basis by physical bullion:
  • Gold (9999 fine): 1,510,101.495 grams
  • Silver (999 fine): 3,700,707.704 ounces
• Additional reserve assets include:
  • 2 x 1kg 9999 gold bars
  • 5 x ~1000 ozt 999 silver bars

These holdings are publicly auditable via the Kinesis Blockchain Explorer, which maintains an immutable and transparent ledger of all assets within the system. The audit’s successful conclusion provides users with further reassurance of the security and legitimacy behind their holdings.

The Freedom Report Joins Kinesis’ Media Line-Up

Expanding its content ecosystem, Kinesis has partnered with Robert Kientz to bring The Freedom Report to its YouTube channel—a biweekly news and analysis show focused on macroeconomic trends, government policy, and precious metals markets.

• With over 40,000 subscribers on his personal YouTube channel, Kientz brings an engaged audience and a wealth of experience in financial education.
• Episodes will be released every other Thursday and will be co-published on both Kinesis’ and Robert’s YouTube channels.
• The show joins existing Kinesis content pillars:
  • Live from the Vault
  • Talking Trades

This initiative helps Kinesis reach wider audiences, further reinforcing its mission to provide accessible financial education from trusted, independent voices.

Enhancements to the Metalback Rewards Programme

Significant improvements have been rolled out across the Metalback Rewards Hub, aimed at streamlining the user experience and making it easier than ever to earn gold through everyday purchases.

• Users can now track and manage their Metalback activity more intuitively on the web platform.
• As always, there are no extra fees for users shopping through the Metalback hub—purchases are made with regular debit or credit cards, and rewards are paid in real physical gold.

Later this month, the Metalback functionality will be fully integrated into the Kinesis Mobile App, creating a seamless, on-the-go rewards experience.

Q3 2025 – What to expect

Strategic U.S. Partnership & Currency One Suite Launch

In a major strategic breakthrough, Kinesis has secured a transformative partnership in the United States that will provide both regulatory and financial backing for the launch of the Currency One Suite—a comprehensive portfolio of native Kinesis stablecoins.

• This partnership, which will be formally announced in a forthcoming press release, is being executed at the highest levels of the financial and regulatory space.
• It delivers critical support to ensure the Currency One Suite is fully compliant with the rapidly evolving U.S. stablecoin regulatory landscape.
• Backed by this new partnership, the Currency One Suite has the potential to become the largest volume driver in the history of the Kinesis platform, benefiting every participant in the Kinesis Monetary System.

Mid-August Launch Timeline and Regulatory Alignment

The upcoming launch of the Currency One Suite—which also powers the Hybrid Accounts project—has been a primary strategic focus for the past two years.

• Initially delayed due to the naming clash with World Liberty Financial’s USD stablecoin and regulatory developments surrounding the GENIUS Act, Kinesis used this time to recalibrate its strategy, adapt its compliance framework, and position the product for long-term success.
• These developments required:
  • Strategic rebranding of ticker symbols
  • Deployment of new blockchain infrastructure
  • Resubmission of updated regulatory documentation aligned with the first-ever federal stablecoin law in the U.S.

With foundational work completed, Kinesis anticipates a mid-August 2025 launch, supported by:

• Advanced integrations with exchanges, liquidity providers, funds, and coin aggregation platforms
• A shift in marketing and public communications to support the stablecoin suite
• A roadmap that includes private sale, pre-sale, and public offering phases for the native USD stablecoin

Currency One Suite Integration & Hybrid Accounts

The Currency One Suite will include over 10 fully reserve-backed stablecoins, each pegged to a major global currency and built for seamless performance within the Kinesis Monetary System.

• This marks the largest technical build in Kinesis’ history, aimed at delivering unparalleled choice and functionality for users operating in multiple currencies.
• The suite will be deeply integrated across all Kinesis services, unlocking:
  • Frictionless FX exchange
  • Fast, low-cost global payments
  • Access to local on/off ramps
  • Support for retail and merchant payments
  • Remittance capabilities
  • Institutional-grade liquidity pools

Key features include:

• Auto-convert tools to simplify the transition from local fiat into digital assets
• Stellar and ERC-20 blockchain compatibility for broad accessibility
• Real-world asset integration, enabling new asset classes to be tokenised and traded within the Kinesis Monetary System

Fiat On/Off-Ramping: Expanded Access and Speed

Kinesis is now finalising a major third-party integration that will introduce instant fiat deposits and withdrawals via card and bank transfer in over 90 countries.

• Users will be able to:
  • Select their local currency
  • Choose from a wide range of deposit options
  • Enjoy instant settlement at low flat fees

This development is crucial for making Kinesis more accessible to a global retail audience, providing a frictionless user experience on par with traditional financial platforms. It also reinforces Kinesis’ dual commitment to both ease of entry and secure exit, allowing users to move fiat in and out of the ecosystem with equal efficiency.

Banxa Integration Expands to Withdrawals

Following the successful Banxa integration for asset purchases, Kinesis will soon expand this feature to support fiat withdrawals.

• Users will gain the ability to convert KAU, KAG, and other digital assets back into local fiat, with direct settlement to connected bank accounts or payment cards.
• This extension provides end-to-end utility, allowing users to buy, store, and liquidate assets all within the Kinesis ecosystem, using the same seamless interface and competitive pricing structure.

Yellow Card Integration: Fiat Deposits Across Africa

As part of Kinesis’ commitment to supporting financial inclusion, the platform is preparing to launch a new fiat onramp through its integration with Yellow Card, designed to improve access across African markets.

• Supported methods by region:
  • Kenya & Zambia: Mobile Money
  • Zambia: Manual bank transfers
  • Nigeria: Instant bank transfers
• Supported currencies at launch:
  • Zambian Kwacha (ZMW)
  • Nigerian Naira (NGN)
  • Kenyan Shilling (KES)

This integration—accessible via both web and mobile app—lays the groundwork for future expansion into South Africa, further strengthening Kinesis’ footprint on the continent.

United Kingdom: Regulatory Rollout Underway

Kinesis is working closely with a trusted partner to build a robust regulatory and compliance framework, aiming to secure FCA compliance in the United Kingdom.

• The framework will allow for:
  • Full activation of Kinesis services for UK residents
  • The introduction of GBP-based deposit options
• This effort ensures that UK users will soon benefit from localized access to the Kinesis Monetary System.

Indonesia: Institutional Growth and “Gold to Mecca”

In Indonesia, Kinesis and its partner Nahdlatul Ulama (NU) have opened a second office in Surabaya, which will serve as a hub for marketing and commercial rollout of the Nunomics App.

• Current areas of development include:
  • The “Gold to Mecca” pilgrimage savings programme, aligned with new Ministry of Religion regulations
  • The MetalBank function, which will enable gold-based lending and pawning services through Indonesian financial institutions

These initiatives position Kinesis to play a critical role in faith-based finance and micro-asset empowerment across Southeast Asia.

Upcoming Public-Private Partnerships

Kinesis is in the final stages of forming three high-impact public-private partnerships, covering a range of global sectors and use cases.

• These collaborations are multi-sector and multinational, with each project designed to further Kinesis’ influence and yield capacity.
• Details will be revealed in a series of upcoming press releases, offering insight into the long-term global impact of these partnerships.

Next Phase for KVT: Expanded Utility and Access

As the ecosystem broadens, Kinesis Velocity Token (KVT) is entering a new era of expanded utility and ecosystem integration.

• Kinesis is actively developing new value mechanisms for KVT holders, potentially far exceeding the initial scope outlined in the original Blueprint.
• Future developments will allow KVT to function as:
  • A gateway to new features and exclusive tools
  • A tiered access key for ecosystem benefits
  • A more dynamic, utility-based token with deeper integration

This evolution ensures that KVT will remain not only a yield-generating asset, but also the entry point to a growing portfolio of financial services within the Kinesis platform.

Kinesis Pay: Next Generation Payments

Kinesis Pay continues to evolve, with the next development phase focused on improving performance, expanding digital asset compatibility, and enhancing user and merchant experience.

• Technical enhancements:
  • Processing upgrades for XDC, AVAX, DASH, and DOGE to improve speed and reliability
• Ecosystem improvements:
  • Launch of a dedicated merchant directory, enabling users to more easily discover businesses accepting Kinesis Pay
  • Merchants will gain access to Metalback rewards and promotion tools, incentivizing customer engagement and growth
• Stablecoin integration:
  • Full support for the Currency One Suite, including multiple fiat-pegged stablecoins, expanding payment options for both consumers and merchants.

Together, these upgrades position Kinesis Pay as a powerful, integrated solution for real-world commerce, enabling seamless digital payments with instant settlement and rewards.