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OreoztheCreator Avatar OREOZ™️🦇 @OreoztheCreator on x 1988 followers Created: 2025-07-12 08:05:44 UTC

XX MILLION small businesses.

No bank access.

No safety net.

But now? They’re being onboarded to Web3, with real loans, real yield, and real impact.

While others hype RWAs, @KaiaChain & Forest Jalan are shipping it live in Indonesia 🇮🇩

This thread will blow your mind 🧵 ———

Indonesia has a massive financial inclusion problem:

• 65M+ Micro, Small, & Medium Enterprises (MSMEs) • <20% have access to formal loans • Over XX% of adults are unbanked or underbanked • Predatory credit dominates the rest

Kaia is fixing that, with blockchain. ———

Enter Forest Jalan x Kaia Labs

This isn’t another “future use case.” It’s live.

Forest Jalan, backed by a Kaia Labs grant, is issuing real microloans to MSMEs using on-chain infrastructure.

Distribution starts with JOOB, a local employment platform built w/ Grab. ———

Why this matters:

🧠 Smarter credit scoring • Based on real behavioral data from JOOB

🔻Lower default risk • Borrowers are pre-vetted, with work history

🪙 Tokenized RWAs • Loans + receivables go on-chain = liquid + transparent ———

What does Kaia bring to the table?

✅ Gasless UX (for borrowers) ✅ Fast, low-cost, EVM-compatible chain ✅ Direct integration with LINE & Kakao = built-in user funnel ✅ Infra for tokenized credit, payments, and cross-chain liquidity ———

MSMEs in Indonesia aren’t just a cause, they’re an opportunity.

• 10–30% annual loan yields • Loans from a few hundred to $1M+ • Diversified credit exposure in an untapped market

That’s real yield, backed by real demand. ———

But they’re not stopping at MSMEs…

Earned Wage Access (EWA)

Workers can withdraw a portion of their wages before payday.

For investors? Even a $X fee on a $XX advance = strong APY

For workers? It’s life-changing liquidity. ———

This is DeFi doing what it was meant to do.

• Real world utility • Real-world impact • Real, sustainable returns

Forest Jalan curates high-quality Indonesian RWAs.

Kaia provides the rails.

Capital flows to where it matters most. ———

RWAs aren’t just a crypto narrative anymore.

They’re becoming the backbone of adoption, especially in emerging markets.

Kaia is proving that with Forest Jalan.

This is what ReputationFi + DePIN + RWA looks like in the wild. ———

TL;DR- Kaia & Forest Jalan are:

• Bringing 65M+ MSMEs into Web3 • Using JOOB data for trustless credit scoring • Launching tokenized loans & earned wage access • Creating real yield in an underbanked $1T+ economy

This isn’t pre-hype.

It’s alpha. ———

Follow the build:

→ @KaiaChain → @ForestJalan → @joob_indonesia

Stay early.

The best-performing RWAs will not wait for permission.

XXXXX engagements

Engagements Line Chart

Related Topics microloans indonesia kaiachain web3

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