We’ve integrated LI.FI into Kite to power onchain swaps and conversions inside the app.

Kite is available across 45 countries, helping people store, send, spend and grow global dollars through stablecoins. But stablecoins come with a problem that no ordinary person should ever have to solve: the same money exists across many different blockchain networks.

USDC on Base is not the same token as USDC on Ethereum. Your USDT might sit on a third network entirely. You can receive funds on one chain and need them on another to send, swap or spend.

We think that complexity belongs in the infrastructure, not in the app you open to pay for lunch. With LI.FI integrated into Kite, you can move between supported assets and networks directly inside Kite while LI.FI searches across available liquidity sources and routes the transaction behind the scenes.

The goal is simple. You choose what you have and what you want. We handle the route between them.

Money first, chains second

Crypto has historically asked people to understand the infrastructure before they can use the money.For a crypto-native trader, these are familiar questions. For someone trying to receive dollars, convert an asset or get money ready to spend, they are unnecessary friction.

Kite’s Swap experience is built around the outcome instead. You choose the asset you want to swap from and the asset you want to receive. Before you confirm, Kite shows you the estimated amount, the applicable fees and the expected route. LI.FI’s routing infrastructure then identifies an available path across supported liquidity sources.

That means you can execute same-chain and cross-chain swaps without separately navigating DEXs or manually bridging assets between networks.

“Stablecoins won’t become everyday money if people need to understand the blockchain architecture underneath every transaction. Our view at Kite is simple: users should think about the money they have and the money they need, not bridges, liquidity pools or chains. LI.FI gives us the infrastructure to move that complexity into the background while keeping the experience non-custodial.”

Aditya Chintawar, Founder & CEO, Kite

One integration across a fragmented market

Liquidity in crypto is fragmented by design.

Assets live across different networks. Liquidity sits across DEXs, aggregators, bridges, intent systems and other execution venues. The most efficient route changes depending on the asset, the network, the size of the transaction and conditions at the moment you press confirm.

Building a direct integration with every individual source would create enormous technical complexity, and would still leave us responsible for maintaining and optimising each one forever.

LI.FI gives us one integration layer across that fragmented ecosystem. Its infrastructure aggregates liquidity and routing across multiple sources and blockchain networks, so an app like Kite can request a desired transaction and surface an available route without the user having to work out the underlying plumbing.

That matters for us because Kite is deliberately multi-chain. You can receive and manage supported assets across Ethereum, Base, Polygon, Arbitrum, BNB Smart Chain and Optimism from a single wallet address. LI.FI extends that idea to swaps: assets should move across the onchain ecosystem without forcing you to become an expert in how every network connects.

Why we chose LI.FI

We evaluated swap infrastructure on breadth of liquidity, routing quality, multi-chain coverage, reliability, security and the ability to hide complexity from the person using the app. LI.FI has built its entire infrastructure around that fragmentation problem.

LI.FI provides access to liquidity and digital-asset markets across more than 60 blockchain networks through a single integration, and is used across more than 1,000 enterprise integrations spanning wallets, exchanges, fintech products, neobanks and other onchain applications. Its ecosystem includes some of the largest consumer crypto products in the market.

For us, though, the most important part is what you don’t have to see:

  • You should not need to know which DEX is providing the liquidity.
  • You should not need to choose a bridge.
  • You should not need to manually move an asset to another chain before swapping it.
  • You should just be able to tell Kite what you have and what you need.

Swapping is not the point. Spending is.

Swapping assets isn’t the end product for Kite. It is the infrastructure that makes other everyday money actions possible.

  • You receive ETH and want USDC.
  • You’re a freelancer paid in stablecoins on one network but you want to use the funds on another.
  • You’re travelling and want to convert a digital asset into a stablecoin before loading your card.
  • You simply prefer to hold USDC rather than something else.

In every case, the intent is financial. The blockchain route is secondary.

That’s why we treat Swap and Convert as part of a broader money experience rather than as standalone crypto-trading tools. Kite brings together a non-custodial wallet, stablecoin transfers, swaps, deposits and withdrawals, cards where available and local Scan & Pay in one app. LI.FI powers the onchain routing layer underneath the swap and conversion flows.

A financial experience above the chains

Our broader thesis is that blockchains should eventually feel like the payment networks and banking infrastructure people already use: important underneath, invisible at the surface.

Nobody sending a message picks an internet routing protocol. Nobody paying with a card picks how the transaction is routed between banks. Nobody moving digital dollars should have to pick between bridges, DEXs and networks.

Kite and LI.FI are approaching that from complementary layers. We’re building the consumer experience for using stablecoins as everyday money. LI.FI provides the liquidity and routing infrastructure that helps value move across an increasingly fragmented onchain economy.

Together, it gets us closer to a simple principle. Tell us what you have. Tell us what you need. The infrastructure figures out the rest.

“The next generation of financial applications shouldn’t make users think about where liquidity sits or which chain their assets are on. Kite is building a consumer experience around stablecoins as everyday money, and that’s exactly where infrastructure like LI.FI becomes valuable, connecting fragmented liquidity underneath the product so the user can focus on the outcome rather than the route.”

Philipp Zentner, CEO, LI.FI

Frequently asked questions

What is LI.FI?

LI.FI is a liquidity and routing infrastructure provider for digital assets. Through a single integration, it gives apps like Kite access to swaps and bridging across more than 60 blockchain networks, aggregating liquidity from DEXs, bridges and other execution venues so the app doesn’t have to integrate each one separately.

Which chains can I swap across in Kite?

Kite supports Ethereum, Base, Polygon, Arbitrum, BNB Smart Chain and Optimism from a single wallet address. Swap routes are available between supported assets on those networks.

Do I need to bridge my tokens before swapping?

No. Cross-chain swaps happen in one flow inside Kite. LI.FI identifies a route that may include a bridge, but you don’t select or interact with the bridge yourself.

Does Kite hold my funds during a swap?

No. Kite is non-custodial. You hold your own keys, and swaps are executed from your wallet on third-party onchain protocols. Kite never takes possession of your funds.

What does a swap cost?

A swap carries two fees: 0.20% charged by LI.FI for routing, and 0.10% charged by Kite. That’s 0.30% in total, and it’s the same wherever the route happens to go.

Is this the same as Convert?

They’re related. Convert is for moving between stablecoins and dollar balances in the simplest possible flow. Swap covers the broader set of supported assets and cross-chain routes. Both sit on the same routing layer underneath.