Lend. Underwrite. Earn.

Unlocking business growth by bringing businesses on-chain through tokenised lending and AI-powered risk management.

Trusted by

What is Kea?

Lend. 

Underwrite. 

Earn.

Lend on real businesses. Earn real yield. The future of private credit

Kea is a decentralised protocol bringing the private credit market on-chain. Lend capital to real businesses evaluated and backed by our AI-powered risk engine to earn real yield. 

Kea is a decentralised protocol bringing the private credit market on-chain. Lend capital to real businesses evaluated and backed by our AI-powered risk engine to earn real yield. 

What is Kea?

Redefining Lending Safety

Revolutionising credit markets for the digital era by merging institutional lending and yield strategies with the precision and speed of web3. On-chain, transparent, scalable.

REASON 01

Powering Lenders & Borrowers

Unlocking business growth by providing personalized, accessible lending solutions for both institutions and individuals seeking high-quality, reliable yield.

REASON 01

Powering Lenders & Borrowers

Unlocking business growth by providing personalized, accessible lending solutions for both institutions and individuals seeking high-quality, reliable yield.

REASON 01

Powering Lenders & Borrowers

Unlocking business growth by providing personalized, accessible lending solutions for both institutions and individuals seeking high-quality, reliable yield.

REASON 02

On-chain Verified Transparency

Guaranteeing complete transparency for all loans, collateral, and transactions, with every detail securely verifiable on the blockchain.

REASON 02

On-chain Verified Transparency

Guaranteeing complete transparency for all loans, collateral, and transactions, with every detail securely verifiable on the blockchain.

REASON 02

On-chain Verified Transparency

Guaranteeing complete transparency for all loans, collateral, and transactions, with every detail securely verifiable on the blockchain.

REASON 03

Multilayered Risk Control

Kea excels in risk management, leveraging decades of financial expertise and advanced risk engines to ensure security and minimise downside potential.

REASON 03

Multilayered Risk Control

Kea excels in risk management, leveraging decades of financial expertise and advanced risk engines to ensure security and minimise downside potential.

REASON 03

Multilayered Risk Control

Kea excels in risk management, leveraging decades of financial expertise and advanced risk engines to ensure security and minimise downside potential.

How Kea Works?

Confidence in Action

Simplifying lending into 4 steps: tokenising assets, AI-driven credit scoring, fund pooling, and governed automation.

Kea introduces a programmable, dual-token model for decentralized lending protection.

Asset Tokenisation

Transform real-world assets like invoices and inventory into liquid, tradable tokens verified on the blockchain.

AI-Driven Credit Scoring

KeaFi, our AI-powered risk engine, objectively evaluates borrower risk, ensuring unbiased and data-led investment decisions.

Decentralised Lending Pools

Funds are pooled from global lenders, offering capital to SMEs while providing lenders with attractive, risk-adjusted returns.

up to

24%

24%

Yield Earned by lending to real businesses

Yield Earned by lending to real businesses

Governed Automation:

All processes, are governed by open-source smart contracts, ensuring transparency, security, and permissionless access.

How to participate

Get Started as a Lender/Borrower

Kea offers seamless participation with clear steps to accessing or providing capital on-chain. Get started to unlock new growth opportunities.

01

Sign Up

Create your account to ensure secure participation.

02

Choose Your Role

Select whether you wish to be a lender or borrower based on your investment & financing needs.

03

Fund or Tokenise Assets

Lenders can find the lending pool, while borrowers can tokenize their assets.

04

Track & Manage Investments

Monitor your returns, loan status, and asset performance through Kea's transparent, real-time dashboard

Who is Kea For?

For Individuals & Institutions

Kea bridges DeFi liquidity to real businesses across the world, enabling seamless trade and fast funding to accelerate growth.

Trade Finance

Trade Finance

Our tailored credit structures enabled by on-chain efficiency allow businesses to move and grow seamlessly.

Invoice Discounting

Invoice Discounting

Get paid and grow faster by turning your invoices into upfront cash. Simple. Direct. Efficient.

Inventory Financing

Inventory Financing

Stock up an capitalise on opportunities fast with seamless, DeFi backed funding for you inventory needs.

For Developers

Power Cross-Chain Transfers with Ease

Built for Builders

Easily integrate cross-chain digital asset transfers into your product.

Automate staking, monitor pool health, and manage liquidations with smart contracts fully on-chain, transparent, permissionless, and built to scale decentralized finance.

Coming soon

 1 | // KEA Pool Integration SDK
 2 | 
11 | contract KeaIntegration {
12 |     IKeaPool public keaPool;
13 |     
14 |     constructor(address _poolAddress) {
15 |         keaPool = IKeaPool(_poolAddress);
16 |     }
17 |     
18 |     function depositToKea(uint256 amount) external {
19 |         keaPool.deposit(amount);
20 |         emit Deposited(msg.sender, amount);
21 |     }
22 |     
23 |     function getUserProfile(address user) external view returns (
24 |         string memory keaID,
25 |         uint256 keaScore,z
26 |         uint256 votingPower
27 |     ) {
28 |         return (
29 |             keaPool.getKeaID(user),
30 |             keaPool.getKeaScore(user), 
31 |             keaPool.getVotingPower(user)
32 |         );
33 |     }
34 |     
35 |     event Deposited(address user, uint256 amount);
36 | }v

Meet KeaFi

AI-Powered Risk Intelligence

Kea Fi. Our AI-powered risk engine that objectively analyses borrower data to assess creditworthiness without bias or human error.

Ready to back the future of lending?

From paper-based lending to programmable liquidity, Kea is building the future of real world financing.

From paper-based lending to programmable liquidity, Kea is building the future of real world financing.

From paper-based lending to programmable liquidity, Kea is building the future of real world financing.

Lend. Underwrite. Earn.

The Future of Lending is On-Chain

© 2025 KEA Credit. All rights reserved.

Lend. Underwrite. Earn.

The Future of Lending is On-Chain

© 2025 KEA Credit. All rights reserved.

Lend. Underwrite. Earn.

The Future of Lending is On-Chain

© 2025 KEA Credit. All rights reserved.

Lend. Underwrite. Earn.

The Future of Lending is On-Chain

© 2025 KEA Credit. All rights reserved.