Kiva Protocol

Digital infrastructure for inclusive financial systems

The 1.7 billion adults worldwide who are financially excluded may have years of exceptional credit history outside traditional financial institutions. Because this history is disconnected from the bank down the street, large populations overpay for credit and are denied access to the formal financial sector, keeping them vulnerable to financial shocks.

Kiva seeks to break this cycle with a decentralized digital identity platform empowering borrowers to verify informal and formal past financial history. With just a thumbprint, users will be able to record their financial transactions, transfer that information between institutions, and gain access to formal bank accounts.

Kiva Protocol is a secure, open source technology platform that enables identity verification and authentication for Know Your Customer-compliant account access and ongoing customer due diligence.

When deployed at national scale, and implemented in conjunction with modernized regulatory frameworks, Protocol is designed to enable a country to advance its financial inclusion goals and empower entire financial ecosystems – individuals, government agencies, informal market actors, and formal financial institutions.

Kiva launched the first country-level implementation of Kiva Protocol in Sierra Leone in 2019. Working with partners at the Bank of Sierra Leone, the National Civil Registration Authority, and UN Capital Development Fund, Kiva is now actively engaged with financial service providers across Sierra Leone to help integrate eKYC capability into existing bank onboarding and compliance systems.

Over the next five years, Kiva Protocol will scale to new countries with the goal of reaching 250 million individuals worldwide.

Launching Kiva Protocol

Regulatory and
Supervisory Infrastructure

Population-scale electronic Know Your Customer (eKYC).


Kiva Protocol’s first country-wide implementation advancing Sierra Leone’s National Strategy for Financial Inclusion.


Overview, documentation, and resources for developers.