Torches is a decentralized non-custodial liquidity protocol based on KCC, where users, wallets and dapps can participate as depositors or borrowers. Depositors provide liquidity to the market to earn a passive income, while borrowers are able to borrow in an over-collateralised manner.

KuPay was founded on the belief that the traditional economy with its assets and financial products is past its expiration date. Central banks and governments are manipulating the markets and the value of money. Banks are making lots of money off consumers and merchants by keeping their assets and making profits on it which should have gone to the rightful owner: the party that is taking the risks being the entrepreneurs and the consumers. Vision We believe that using blockchain technology and transitioning to web3 by consumers and businesses to make and receive payments is key to becoming financially free, meaning; Having the exclusive ability to access owned assets anytime and anywhere Being capable of spending and receiving value in any place from any place. Having the option of earning interest on assets that are in overflow Mission KuPay will facilitate the technical framework to accept all popular documented and undocumented tokens on any smart contract platform while automatically preserving the value of the transaction amount, being immediately available for earning interest.