Kinza Finance is a multi- chain lending/borrowing platform operating on BNB Chain, opBNB and Ethereum, invested by Binance Labs and oriented to expand to Layer 2 with Liquid reStaking model for BTC and ETH.
The project applies the ve(3,3) mechanism to the KZA Token , providing Staking benefits, governance, and profit optimization opportunities through xKZA and Bribe. Kinza aims to build a sustainable, transparent DeFi ecosystem and connect cross- chain liquidation .
- Kinza Finance Overview and Development Orientation for Layer 2 Liquid reStaking for BTC and ETH.
- Details of lending/borrowing products and ve(3,3) mechanism with xKZA, Bribe.
- Kinza Finance's tokenomics , allocation, Token payout schedule, and investment partners information.
What is Kinza Finance?
Kinza Finance is a multi- chain lending/borrowing platform that allows users to collateralize and borrow assets across three networks: BNB Chain , opBNB, and Ethereum.
The project is invested by Binance Labs, focusing on expanding the DeFi model combining Layer 2 and Liquid reStaking.
According to the development team, Kinza aims to become a decentralized financial center (DeFi Hub) for BTC and ETH reStaking assets.
This model helps increase Capital efficiency and optimize profits for investors.
DeFi models that integrate reStaking like Kinza Finance are gradually becoming a trend as they bring the ability to leverage multi-layered Capital .
Reputable trading platforms like BingX are also applying data analytics and AI to help traders track cash flow, Staking trends, and market fluctuations more effectively, opening up a comprehensive view between lending and reStaking activities.
“We believe the future of DeFi lies in the ability to leverage asset reStaking to expand liquidation and Capital efficiency.”
– Kinza Finance team representative, Chia in AMA with the community (2024)
What are Kinza Finance's main products?
Kinza Finance's core product is currently lending/borrowing, allowing users to deposit and borrow assets at flexible interest rates depending on the network. Each blockchain has its own asset portfolio and different lending/collateral parameters.
On BNB Chain, users can borrow 8 types of assets such as BTCB, ETH, BNB, USDC , FDUSD, USDT and reStaking Token such as ezETH, slisBNB.
Meanwhile, opBNB only supports BNB and USDT ; Ethereum supports up to 11 types of assets, mainly reStaking Token such as rETH, rsETH, pufETH.
Important parameters when borrowing or lending on Kinza Finance
When using Kinza, users need to understand indicators such as Collateral Type, LTV, Supply APY and Borrow APY to effectively manage risk.
For example, with an LTV (Loan to Value) of 80%, if you mortgage 10,000 USDT, you can only borrow a maximum of 8,000 USDT. The Collateral Type mechanism also directly affects the borrowing capacity: “Open” assets can borrow all other Token , while “Isolated” can only borrow within the corresponding group.
How does the Bribe and xKZA mechanics work?
The two features Bribe and xKZA are central to the ve(3,3) tokenomics that Kinza adopts, similar to Velodrome and Aerodrome. Users Stake KZA Token to earn xKZA, which earns trading fees and Bribe rewards.
Bribe allows projects or users to use KZA Token to “buy votes” from xKZA holders, which increases the APY for certain pools or adjusts lending rates. This is how Kinza incentivizes liquidation and community engagement.
“The ve(3,3) model creates a sustainable incentive loop where Token Stake not only receive rewards but also have the right to coordinate liquidation flows.”
– defillama Research, “State of DeFi Lending” Report, 2024
How does Kinza Finance plan to develop Layer 2 ?
The project is in the process of collaborating with Babylon to build its own Layer 2 , integrating the Liquid reStaking model for BTC and ETH.
This allows users to both participate in Staking and use assets as collateral in other DeFi protocols.
According to information from the development team, this Layer 2 will focus on compatibility with existing ecosystems such as Ethereum and BNB Chain, helping to scale and reduce transaction costs.
What is KZA Token ?
KZA is the utility and governance Token of Kinza Finance, built on BNB Chain with a total supply of 100,000,000 KZA. The Token is used for voting, Staking, Bribe rewards, and platform revenue Chia .
KZA Token Allocation and Payment Schedule
Token are allocated mainly to the community (55%), followed by investors (12%), team (10%), ecosystem (10%), reserve fund (5%), Airdrop (5%) and advisors (3%).
| Category | Proportion | Unlock time |
|---|---|---|
| Community | 55% | 4 years since TGE |
| Investor | 12% | 1 year lock, 3 year installment payment |
| Team | 10% | 1 year lock, 3 year installment payment |
| Ecosystem | 10% | 50% at TGE, the rest paid in installments over 4 years |
| Reserve | 5% | 4-year allocation |
| Airdrop | 5% | 100% at TGE |
| Advisor | 3% | 1 year lock, 3 year installment payment |
Kinza Finance Team, Investors and Partners
The Kinza development team remains anonymous, but it has been confirmed that the project is invested by Binance Labs – a sign of confidence and growth potential.
Additionally, Kinza partners with big names like PancakeSwap, Chainlink , and Trust Wallet .
“Binance Labs is committed to supporting innovative DeFi projects like Kinza to expand the global decentralized finance ecosystem.”
– Binance Labs, Kinza Finance Investment Announcement (2024)
Similar projects to Kinza Finance
In the lending/borrowing space, Kinza has strong competitors like AAVE and ZeroLend. AAVE is the largest protocol with a TVL of $19 billion, while ZeroLend is expanding rapidly on zkSync, Manta, Blast, and Linea.
| Project | Support Network | TVL (estimated) | Outstanding features |
|---|---|---|---|
| Kinza Finance | BNB Chain, opBNB, Ethereum | Updating | Layer 2 reStaking Integration |
| AAVE | Ethereum, Polygon, Avalanche | 19 billion USD | The largest lending ecosystem |
| ZeroLend | zkSync, Manta, Blast, Linea | In development | Focus on security and high performance |
Frequently Asked Questions
Is Kinza Finance safe?
The project is invested by Binance Labs and collaborates with reputable partners like Chainlink, which helps strengthen reliability, however users should still assess smart contract risks.
When will KZA Token launch?
According to the roadmap, KZA will be launched after completing the Bribe and xKZA features, the exact time has not been announced yet.
How can users profit on Kinza?
Users can provide liquidation, borrow/lend assets, or Stake KZA to receive xKZA and Bribe rewards.
Does Kinza Finance support asset reStaking ?
Yes, Kinza supports multiple reStaking Token such as ezETH, rETH, rsETH, slisBNB and will expand more when Layer 2 officially launches.
Is Kinza Layer 2 ?
Kinza is still a multi- chain lending protocol, but is developing its own Layer 2 with Babylon to implement Liquid reStaking for BTC and ETH.
