Kinto is a network that offers KYC, insurance, and AML/fraud monitoring. Addresses must be KYCed to interact with the network. However, assets are non-custodial and cannot be stripped away from someone.

Kinto offers native account abstraction, meaning no browser extensions, seed phrases, or PKs exist. Instead, users can use the chain through a standard username/password and 2FA.

Insurance is offered at the chain level to protect users from black-swan events. Sequencer fees are given as yield to network underwriters (who provide the insurance) and smart contracts pro-rata to their transaction volume. Incentivizing smart contracts with s