Kiyo Points

Kiyo Points are a unique feature of the KiyoFi protocol, designed to improve capital efficiency without creating a speculative token. Unlike tradable assets, Kiyo Points are non-transferable credits earned by lenders in proportion to the amount they supply to the platform.

These points unlock extra utility within the system. A lender who deposits funds earns both interest and Kiyo Points, which can then be used to borrow liquidity again against their own deposits. This means your funds don’t just sit earning yield they also give you parallel borrowing power, letting you keep capital productive on both sides. Once the loan tied to those deposits is repaid, the corresponding Kiyo Points are deducted, keeping the system balanced and sustainable.

By allowing lenders to use their deposits and Kiyo Points together, the protocol effectively doubles the utility of supplied liquidity. This makes lending more rewarding, borrowing more flexible, and the ecosystem more active, all without creating speculative or risky tradable tokens. ELI5 Think of Kiyo Points like store credits you get every time you lend. When you put money into KiyoFi, you don’t just earn interest you also get Kiyo Points, created in parallel to the amount you lend. You can use those points to borrow liquidity again, while your deposit is still earning yield. It’s like being able to use the same money twice once to earn, and once to borrow but only inside KiyoFi. When the loan is paid back, your points are cleared, keeping everything fair and balanced.

Kiyo Points transform lending into an active, more efficient process by letting liquidity be reused within the system. This boosts rewards for lenders, flexibility for borrowers, and overall stability for the protocol.

In short:

• Lenders earn more utility from their deposits.

• Borrowers access liquidity more flexibly.

• The ecosystem benefits from increased participation and stability.