Kem Building Bank of Tomorrow Podcast Episode

We're thrilled to share our latest podcast where we discuss how we are building the bank of tomorrow. In this episode, our co-founders dive deep into how Kem is using Bitcoin, stablecoins, and cutting-edge technology to build the financial layer of the tokenized economy. We invite you to watch the full video here to learn more about our journey and vision:

In this discussion, we covered several key ideas that are transforming the financial landscape:

Kem is a stablecoin superbank offering access to a wide array of global financial services, entirely powered by stablecoin infrastructure.

The journey began in traditional fintech (Trfy), aiming to reduce friction in banking and exchange houses — particularly for people sending money home to regions such as the Philippines, India, and the Mina market. Inefficiencies in traditional financial systems led Kem to fully embrace stablecoins as the foundation for its services.

Stablecoins are programmable, open, affordable, and fast. They are essential in countries facing severe economic instability and hyperinflation, providing reliable access to the stability of the US dollar.

Tether (USDT), the largest US stablecoin issuer and a Kem investor, enables dollar access at a fraction of the cost of traditional aid methods.

TRON, the largest USDT network, supports Kem with gas subsidies, enabling free USDT transfers in the Kem app. This is especially impactful for high-volume remittance corridors like the Gulf–India route, delivering settlement in seconds compared to days with traditional services.

Savings Product – A yield-generating savings option using SUSD (staked Athena) and decentralized finance for open, accessible earnings.

Diverse Asset Purchase – Users can buy Bitcoin, Ethereum, USDT, and tokenized gold (XAUT) via the Kem app. Tokenized gold offers high liquidity and mobility, with direct USD conversion in-app.

P2P Transfers & Crypto Card – Instant peer-to-peer transfers via username and a USDT-powered Kem crypto card that works with over 150M merchants worldwide, offering faster settlement than traditional banking.

Tokenized Stocks – 24/7 trading of tokenized equities, including pre-IPO shares like SpaceX, Stripe, and OpenAI, in partnership with Dinari on Arbitrum for cheaper transactions, improving access to US markets in regions like the Middle East.

LayerZero’s Omnifungible Token Standard – Enables safe, seamless bridging of assets across multiple blockchains, letting Kem choose the most efficient chain for each product.

AI Integration (Roomie AI) – An in-app AI assistant for converting, sending, and requesting funds, as well as assisting in budgeting, financial decisions, and even travel booking, using wallet balances through programmable finance.

Creator Economy & Fast Payouts – Stablecoins can automate, performance-link, and speed up payouts for creators, freelancers, and gig workers through smart contracts.

Mass Adoption – Kem anticipates widespread stablecoin integration in business payout systems by 2025, often without users realizing they are transacting on stablecoin rails.

Kem operates in over 70 countries, primarily in emerging markets where stable USD access is most needed.

The company is pursuing licenses in progressive jurisdictions such as Bahrain — the first Middle Eastern country to regulate stablecoins — where Kem is applying to launch a Bahraini dinar stablecoin.

Kem is also expanding in El Salvador, leveraging its crypto-friendly policies to grow services.

Kem’s mission is to make money more useful by building more services on top of open, secure, and user-friendly technologies. The potential for innovation on this infrastructure is enormous.

Download the Kem App on the App Store or Google Play to experience the future of stablecoin-powered finance.