Education-Fi (E-Fi) — Powered by UTL Protocol

Universal
Transaction Layer

The financial engine of Education-Fi. Stake KENO, earn 0.1% from every transaction across the network. Every lesson you complete adds to the ecosystem that pays you back.

KENO = $1.00 USDB  ·  0.1% Fee  ·  60% to Stakers  ·  5 Tiers  ·  Multi-Chain

—
Total Fees Collected
—
Transactions Processed
$1.00
KENO / USDB
5
Staking Tiers
Install MetaMask Snap KUTL Card

Connect your wallet to access your personal UTL dashboard — staking, rewards, and earnings history.

Stake KENO

Stake KENO tokens to earn your share of all UTL transaction fees. Higher tiers earn bigger multipliers.

≈ $0.00 USDB
Staked
0 KENO
Tier
Observer
Rewards
0 BNB

Protocol Stats

Live data from the UTL smart contracts on BNB Smart Chain.

Total Fees Collected —
Total Transactions —
Fee Rate 0.1%
Staker Share 60%
Treasury Share 40%
Contract Balance —
Fee Distribution
60%
40%
● Stakers ● Treasury

Send BNB via UTL

Send BNB to any address. UTL captures a 0.1% fee — 60% goes to stakers, 40% to treasury.

UTL Fee: ~0.000001 BNB ≈ $0.00
Amount sent—
UTL fee (0.1%)—
→ Stakers (60%)—
→ Treasury (40%)—

Requires wallet connection. Transaction processed on BSC.

UTL Treasury

40% of all UTL fees flow into the treasury, distributed across 4 mission-critical allocations with a 48-hour timelock on all withdrawals.

Kenostod Operations 37.5% (15% of total fees)
Platform development, team, infrastructure
Scholarship Fund 25% (10% of total fees)
Student scholarships, free course access
T.D.I.R. Foundation 25% (10% of total fees)
Community impact and research initiatives
Insurance Reserve 12.5% (5% of total fees)
Protocol security and emergency reserves
48-hour timelock on all treasury withdrawals

Treasury Live Stats

On-chain treasury data from BSC.

Total Received —
Total Distributed —
Current Balance —
Treasury Contract
0x3B3538b955647d811D42400084e9409e6593bE97
KUTL Card — Coming Soon
Spend your KENO rewards anywhere Visa is accepted
Learn About KUTL Card →

UTL MetaMask Snap

Lives inside your MetaMask wallet permanently

Checking...
Transaction Insight
See UTL fee on every tx before you confirm
Earnings Tracker
Live tier, rewards & cumulative totals
Weekly Reports
In-wallet push notifications for earnings
Auto-Compound
Automatically restake rewards to grow tier
KUTL Card Eligibility
Snap verifies stake for card access
Cross-Chain Stats
BSC, ETH, Polygon, Arbitrum, Base

Snap RPC Methods

Method Description
utl_optInActivate UTL fee redistribution
utl_optOutDeactivate participation
utl_dashboardView full earnings dashboard panel
utl_getStatsGet stats as JSON for dapp integration
utl_updateStakeSync KENO stake amount from chain
utl_claimRewardsInitiate reward claim
utl_toggleAutoCompoundToggle auto-restaking on/off
utl_weeklyReportWeekly earnings summary notification
Package:
@kenostod/utl-snap
Submission:
MetaMask Snaps Registry — Issue #625 (pending allowlisting)

Staking Tier System

Stake more KENO to unlock higher tiers and earn bigger reward multipliers. Duration bonuses add an extra boost for long-term stakers.

👁️
Observer0 KENO
Entry level — 0.1x reward multiplier
0.1x
🎯
Participant1,000 KENO ($1,000)
Active staker — full 1.0x multiplier
1.0x
📣
Advocate10,000 KENO ($10,000)
Community leader — 1.2x multiplier
1.2x
🏆
Champion100,000 KENO ($100,000)
Protocol champion — 1.5x multiplier
1.5x
🛡️
Guardian1,000,000 KENO ($1,000,000)
Protocol guardian — maximum 2.0x multiplier
2.0x

Duration Bonuses

Long-term stakers earn additional bonuses on top of their tier multiplier.

+5%
1 Month
+10%
3 Months
+20%
6 Months
+35%
9 Months
+50%
12 Months

Example: Guardian tier (2.0x) staked for 12 months = 2.0x × 1.5 = 3.0x effective multiplier

Deployed Smart Contracts

All UTL Protocol contracts are deployed on BNB Smart Chain (BSC) and verified on BscScan.

UTLFeeCollector
Verified
0xfE537c43d202C455Cedc141B882c808287BB662f
Captures 0.1% fee on every transaction. Routes 60% to stakers, 40% to treasury. Supports native BNB and ERC-20 tokens.
UTLStaking
Verified
0x49961979c93f43f823BB3593b207724194019d1d
KENO token staking with 5-tier multiplier system. Duration bonuses +5% to +50%. Minimum stake: 100 KENO.
UTLTreasury
Verified
0x3B3538b955647d811D42400084e9409e6593bE97
4-way fund distribution with 48-hour timelock. Kenostod Ops (37.5%), Scholarships (25%), TDIR Foundation (25%), Insurance (12.5%).
UTLDistribution
Verified
0xE6918cdBB9D8cd0d3532A88D974734B2F1A793c7
Epoch-based Merkle proof reward distribution. Batch claiming, auto-compound restaking, expired epoch recovery.

KENO Token

The native token of the Kenostod Education-Fi ecosystem.

Contract (BSC)
0x65791E0B5Cbac5F40c76cDe31bf4F074D982FD0E
Public Price $1.00 USDB
Standard BEP-20 (BSC)
ICO Allocation 210M KENO
Buy on PancakeSwap ICO — Buy KENO

Security Features

ReentrancyGuard
All contracts protected against reentrancy attacks
48-Hour Timelock
Treasury withdrawals require 48-hour delay
Fee Rate Cap
Maximum fee rate capped at 1% by contract
Merkle Proof Claims
Gas-efficient, tamper-proof reward distribution
OpenZeppelin
Built on battle-tested OpenZeppelin contracts
Authorized Collectors
Only authorized addresses can trigger distributions
View Full Security Audit
New Category — Coined 2026

Education-Fi (E-Fi)

The convergence of education and finance into a single, unified system where learning and earning are inseparable. In an E-Fi model, the act of gaining knowledge directly generates financial value — students are not just acquiring skills for future use, they are building wealth in real time as they learn.

Just as DeFi removed banks from the equation, E-Fi removes the separation between learning and earning — making education itself a financial instrument. Education is the asset. Finance is the reward.

Coined in 2026 by Nickeo Coleman, founder of Kenostod Blockchain Academy, as the foundational principle behind the KENO token ecosystem.

How Education-Fi Works

1
Complete Courses → Earn KENO
Students complete 21 blockchain courses on Kenostod. Each course awards KENO tokens at $1.00 USDB each. Graduate with $5,250 in cashable KENO.
2
Stake KENO → Earn Protocol Fees
Stake your KENO in the UTL Protocol to earn 60% of all transaction fees across the network. The more you stake, the higher your tier and multiplier.
3
Spend with KUTL Card
The KUTL Card (powered by Bridge) lets you spend your KENO rewards anywhere Visa is accepted. Your education literally pays for your life.
4
MetaMask Snap — Your E-Fi Wallet
The UTL MetaMask Snap turns your MetaMask into an E-Fi dashboard — showing earnings, tier status, and KUTL Card eligibility on every transaction.

Student Value Proposition

21
Courses
16 blockchain + 5 financial literacy
$250
Per Course
In KENO tokens ($1.00 each)
$5,250
Graduate Value
Cashable KENO at graduation
Instead of going into debt for a degree, you graduate with real money in your wallet. That's Education-Fi.
Start First Lesson FREE Graduate Club