Unlocking Financial Inclusion: Where Web3 Meets the Real World 🌏

Real yield. Real borrowers. Real-world value.

While most are still debating the use case for RWAs, Kaia and Forest Jalan are out there building it, starting in Indonesia 👇

Why Small Businesses in Indonesia Struggle to Get Loans

Indonesia is home to over 65 million Micro, Small, and Medium Enterprises (MSMEs).

Yet, less than 20% have access to formal bank loans. The rest are left relying on expensive, informal credit, a system that keeps them trapped.

High collateral demands, strict requirements, and outdated processes from traditional banks continue to hold back millions of entrepreneurs who could otherwise grow and contribute to the economy.

How Forest Jalan and Kaia Are Helping Small Businesses

To change that, Forest Jalan and Kaia have joined forces.

Backed by a strategic grant from Kaia Labs, Forest Jalan is using blockchain to offer targeted micro-loans to MSMEs, starting with merchants identified through JOOB, a platform built with Grab to connect job seekers and local businesses.

This gives Forest Jalan access to real behavioral data, enabling smarter credit scoring and reducing the risk of default.

Using Blockchain to Bring More Money to Local Businesses

This is Real World Assets (RWAs) in action. Loans and receivables from MSMEs are tokenized and brought on-chain, connecting Web3 capital with the real economy.

Is about moving real money where it’s needed most. Kaia makes this possible through fast, affordable, and programmable infrastructure.

Giving Small Businesses Easier and Fairer Access to Money

More than 51% of adults in Indonesia are unbanked or underbanked.

Forest Jalan and Kaia are building a transparent, blockchain-based framework that provides affordable capital and reduces reliance on predatory lenders.

This gives MSMEs a path toward formal credit history, long-term stability, and financial empowerment.

How Investors Can Earn Money While Helping Local Businesses

MSMEs in Indonesia present real yield potential, with loan interest rates between 10–30% annually.

Loans range from a few thousand to over a million dollars, meeting a wide variety of business needs.

For Web3 investors, this means access to diversified, yield-bearing RWAs in a growing and underpenetrated market.

New Ways to Help Workers Get Their Salaries Early

Another emerging opportunity: Earned Wage Access (EWA).

It lets workers withdraw a portion of their salary before payday, crucial in a country with widespread financial stress and monthly pay cycles.

Even a $1 fee on a $50 advance translates into compelling annualized returns, while providing real liquidity to workers.

Forest Jalan: Making It Easy and Safe for Investors

Forest Jalan acts as the trusted bridge between local borrowers and global capital.

It curates high-quality Indonesian RWAs, provides risk transparency, and ensures funds flow into real economic use.

The result? Sustainable returns for investors, with meaningful impact on the ground.

Working With JOOB to Find Trustworthy Borrowers

By focusing on borrowers already vetted through JOOB, Forest Jalan maintains a reliable, creditworthy pipeline.

This reduces risks and maximizes the effectiveness of capital.

It’s a smart, data-driven model for onboarding MSMEs into the blockchain economy.

Why This Matters to Kaia and Blockchain

This initiative isn’t just a use case, it’s a validation. Kaia’s infrastructure is proving its power in the real world, not just DeFi.

It’s showing how blockchains can fund small businesses, support families, and improve economies. This is what meaningful adoption looks like.

What’s Coming Next

This is just the start.

Forest Jalan and Kaia are expanding the program, refining the tech, and preparing to tell the stories of the MSMEs already being transformed. Real businesses.

Real loans. Real-world impact, all powered by Web3.