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OREOZ™️🦇 @OreoztheCreator on x 2064 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
Related Topics microloans indonesia web3