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KFIP 2026 is a three-month XRPL-native fintech accelerator co-hosted by Seoul Fintech Lab and XRPL Korea, with Ripple as the main sponsor. From 270+ applicants, 12 finalist teams were selected to build on the XRP Ledger across payments, credit, real-world assets, and digital identity. Meet the teams below.
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| Team | What they're building | Project Intro | Progress Update |
|---|---|---|---|
| ANAM145 — PayMate | Spend exchange-locked XRP at Korean merchants via QR and biometrics, with compliance enforced at payment execution. | X · LinkedIn | X · LinkedIn |
| Blue Nomad | On-chain lifestyle finance for Southeast-Asian hospitality and digital nomads; stablecoin payments, instant settlement, RWA. | X · LinkedIn | X · LinkedIn |
| ConnectFit — Gig | Global payroll app for foreign part-time workers, using work history as alternative credit with low-cost micro-payouts. | X · LinkedIn | X · LinkedIn |
| DARI | Instant digital identity and KRW finance for migrant workers awaiting registration; stablecoin payroll and remittance. | X · LinkedIn | |
| EverTreasure — EverSeal | RWA trust and digital registry that binds security-chip physical authentication to on-chain ownership. | X · LinkedIn | X · LinkedIn |
| KYvC | Reusable corporate KYC that issues verifiable credentials so institutions can skip repeated verification. | X · LinkedIn | X · LinkedIn |
| RiskX — SIVAX | Structured products (ELS/ELB/FCN) issued and managed on XRPL, with an auto-rollover vault and an ELS recovery fund. | X · LinkedIn | X · LinkedIn |
| SBT Plus — RiderCheck | Gig-worker credentialing for delivery riders, turning AI-scored work history into alternative credit. Live on a Toss mini-app. | X · LinkedIn | X · LinkedIn |
| Transfarmer — XRF | Tokenizes Korean NPLs as real-world assets for global institutions; AI valuation, permissioned access, RLUSD payouts. | X · LinkedIn | X · LinkedIn |
| KAB Labs — T Flow | AI-powered trade finance that auto-verifies LCs and shipping documents and settles trade payments in 3–5 seconds. | X · LinkedIn | X · LinkedIn |
| Trixa | Passport-based wallet for tourist tax-free shopping and VAT refunds; reusable credential with selective disclosure. | X · LinkedIn | X · LinkedIn |
| Verna Technologies— CareXpo | Escrow payments for Korea–Ghana used-car and parts trade, releasing funds in stages across six trade steps. |