November 5, 2025 — Kima Labs, a developer of decentralized settlement protocols, and Mocasa, a leading Buy Now, Pay Later (BNPL) provider in Southeast Asia, have announced a significant partnership. This collaboration aims to integrate decentralized finance (DeFi) with mainstream consumer credit, unlocking new institutional-grade liquidity for the BNPL sector.

The partnership will address the increasing demand for accessible consumer credit in Southeast Asia by linking Mocasa’s established BNPL platform with Kima’s innovative cross-ecosystem settlement infrastructure. The initial phase will focus on creating decentralized liquidity pools to fund Mocasa’s lending operations, enhancing the efficiency and scalability of financing.

A key objective of this collaboration is the tokenization of BNPL receivables. This process will convert consumer loans into standardized, on-chain investment products, allowing both institutional and DeFi investors to participate in a new, yield-generating asset class. The partnership aims to scale its Total Value Locked (TVL) to over $100 million within two years, showcasing a new model for financial inclusion and capital efficiency.

The partnership is already underway with a proof-of-concept to validate the technical and compliance frameworks. This initial phase utilizes a Kima-funded vault to test live disbursement and repayment cycles through Kima’s atomic settlement layer.

This strategic alliance marks a significant step in merging traditional financial technology with the decentralized web, creating a scalable and transparent model for the future of lending. The announcement was made here.

Why This Matters: Impact, Industry Trends & Expert Insights

Kima Labs and Mocasa have partnered to integrate decentralized finance (DeFi) with the Buy Now, Pay Later (BNPL) market in Southeast Asia, aiming to enhance consumer credit accessibility and liquidity through blockchain technology.

Recent industry reports indicate that the integration of DeFi and BNPL is advancing with enhanced security features and blockchain interoperability. This aligns with the partnership’s goal to tokenize BNPL receivables and create new investment opportunities, showcasing a model for financial inclusion.

As per insights from BlockTelegraph, DeFi is anticipated to disrupt traditional finance, including BNPL, by reducing intermediaries and enabling faster settlements. This supports the partnership’s potential to improve efficiency and scalability in Southeast Asia’s BNPL sector.

---

Disclaimer: The views expressed in this article are those of the authors and do not necessarily reflect the official policy of CoinsHolder. Content, including that generated with the help of AI, is for informational purposes only and is not intended as legal, financial, or professional advice. Readers should do their research before taking any actions related to the company and carry full responsibility for their decisions.

The post Kima Labs and Mocasa Partner to Integrate DeFi with Southeast Asia’s BNPL Market appeared first on CoinsHolder.