⚡   Card Partner Update Mar 18 — FinLego Meeting Complete · Sandbox Active · Tech Session Tue · Rain Registration In Progress · Bridge RFI Submitted   ⚡
World's First Education-Fi Payment Card

KUTL
Card

Kenostod Universal Transaction Layer

Your brain pays your bills.
Monetize your study hours immediately.

250
KENO per course
$5,250
after 21 courses
~15%
APY on FAL pools
Go to Card Dashboard Join Waitlist →
🛡️
KUTL •••• •••• •••• 2026
KUTL
Knowledge Utility Token Layer
Powered by
Bridge.xyz
The Flow

How a KUTL Swipe Works

1
💳
Swipe
User swipes KUTL Card (e.g. $100 coffee)
2
🏦
Authorize
Bridge authorizes transaction via USDB liquidity
3
🔥
Burn
Kenostod backend burns 100 KENO from user wallet
4
⚙️
Fee
0.1% fee minted to UTLFeeCollector contract
5
📊
Split
40% to Treasury · 60% to Staking Pool
Card Eligibility

Two Paths. One Card.

Every student can earn KENO and access the KUTL Card — but the path to eligibility reflects the commitment made on day one.

Tier 1 — Enrolled Student
Card on Day One

When you invest in your education with real enrollment, you get your KUTL Card immediately. No waiting. No milestones. Your card ships the moment your enrollment is confirmed.

  • ✦ Instant card issuance — activate on enrollment day
  • ✦ Real-time KENO spending — rewards spendable as they are earned
  • ✦ 250 KENO per course — up to $5,250 across 21 courses
  • ✦ Full staking access — earn yield on your KENO balance
  • ✦ Priority card tier upgrades — Guardian and Scholar tiers unlocked first
💳 Card Active Immediately Upon Enrollment
Tier 2 — Wealth Builder Scholarship
Card at Graduation

Scholarship students access the full 21-course curriculum at no upfront cost. KENO rewards are earned and locked throughout the program — unlocking in full the moment you graduate. Graduation means something here.

  • ✦ Full curriculum access — all 21 courses at zero upfront cost
  • ✦ KENO earned throughout — 250 KENO per course completed
  • ✦ Balance locked until graduation — protected and building the entire time
  • ✦ Card + full balance released at graduation — up to $5,250 unlocked at once
  • ✦ Graduation is a financial event — not just a certificate
🎓 Card + KENO Unlock Upon Graduation

Both paths lead to the same destination — a KUTL Card in your hand and KENO in your wallet. The difference is when you get there. Enrollment is the fast lane. Scholarship is the earned lane. Either way, Knowledge Is The New Capital.

The Triple Growth Engine

Three Ways Your Balance Grows

The KUTL Card balance grows via three simultaneous streams — active, passive, and residual.

Active
Learn-to-Earn
  • Complete 1 Course = 250 KENO ($250)
  • Complete all 21 Courses = $5,250 Total
  • Courses earn more as tier increases
  • Proof-of-Reputation-Value (PoRV) mining
Passive
Arbitrage-to-Earn
  • Deposit KENO into FAL Pools
  • Flash Arbitrage Loans generate yield
  • ~15% APY simulated/real strategies
  • No lock-up on Observer tier
Residual
Royalty-to-Earn
  • RVT holders earn % of network fees
  • The "Graduate Dividend"
  • Graduates become shareholders in the academy
  • Permanent passive income from network growth
Protocol Architecture · Deployed

4 Live Contracts on BSC

The KUTL Card is backed by a live, 4-contract architecture on Binance Smart Chain — already deployed, already working.

Contract Function Address
UTLToken (KENO) BEP-20 standard · 1,000,000,000 total supply · $1.00 USDB peg 0x65791E0B...FD0E
UTLFeeCollector Enforces 0.1% transaction fee on every KENO transfer 0xfE537c43...662f
UTLTreasury Receives 40% of all collected fees · funds operations Built-in
UTLStaking Distributes 60% of fees to stakers · auto-compounding 0x49961979...9d1d
Card Issuance Partner Pipeline

Multiple Partners. One Card.

We are running a parallel partner selection process to find the best card issuance, stablecoin liquidity, and compliance fit for the KUTL Card program.

Bridge.xyz
KYB IN REVIEW
Primary candidate. Handles both stablecoin liquidity and card issuance in one platform. KYB process confirmed active — team contacted March 16.
CARD + LIQUIDITY
Full Stack ✓
SANDBOX
Active ✓
Rain.xyz
REGISTERING
Rain reached out directly Mar 18. $250M Series C. Team registration in progress — 6-step onboarding underway. Full stablecoin offramp + card issuance + rewards module.
CARD + LIQUIDITY
Full Stack ✓
INBOUND CONTACT
Mar 18 ✓
FinLego
SANDBOX ACTIVE
Meeting Mar 18 — exceeded expectations. Holds own US/EU/Canada/LATAM licenses. Has integrated custom tokens before. Sandbox access granted. Form submitted. Tech session Tuesday with their dev team.
LICENSES
US/EU/CA/LATAM ✓
TECH SESSION
Tuesday ✓
Cybrid
APPLIED
Crypto-native card program with settlement layer. Closest structural Bridge alternative — has both crypto settlement and physical card issuance. Application submitted.
CARD + SETTLEMENT
Full Stack ✓
FOCUS
Crypto-native
Revenue Model
70%
Kenostod interchange
30%
Partner revenue share
$10
Per physical card issued
500+
Waitlist ready to spend
The Secret Weapon

MetaMask Snap = Your Education Passport

The KUTL Card is powered by a custom MetaMask Snap that acts as a cross-platform identity and credit layer.

🎓
KUTL Universal Credit Score

The Snap reads your on-chain educational history (SBTs/NFTs from Kenostod) and broadcasts a "KUTL Score" to any connected dApp — lower DeFi rates for Guardians, priority IDO access for Scholars.

🔗
Cross-Platform Fee Sharing

Trading on Uniswap? The KUTL Snap detects the trade and offers to pay gas fees using your KENO rewards. Kenostod earns 0.1% convenience fee split with you — on every platform you use.

📊
Pending MetaMask Approval

The UTL Fee Rewards Snap is submitted to the MetaMask Snap Directory and under review. Once approved, transaction insight, earnings tracker, and weekly reports go live inside every MetaMask wallet.

Install UTL Snap →
500+ students on waitlist

Knowledge Is The
New Capital

Be first in line when the KUTL Card launches. No FICO score needed — just your Kenostod diploma.

No spam. You'll only hear from us when the card is ready to ship.