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![OreoztheCreator Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1696173853100191744.png) OREOZ™️🦇 [@OreoztheCreator](/creator/twitter/OreoztheCreator) on x 1995 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.

![](https://pbs.twimg.com/media/GvpHiN5XwAAkSwc.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1943944853399691656/c:line.svg)

**Related Topics**
[microloans](/topic/microloans)
[indonesia](/topic/indonesia)
[kaiachain](/topic/kaiachain)
[web3](/topic/web3)

[Post Link](https://x.com/OreoztheCreator/status/1943944853399691656)

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

OreoztheCreator Avatar OREOZ™️🦇 @OreoztheCreator on x 1995 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

Post Link

post/tweet::1943944853399691656
/post/tweet::1943944853399691656