# Introduction

Karma Bond is a protocol owned liquidity-as-a-service, providing treasuries and bonds optimized to individual protocol needs.

Karma Bond is part of Karma Finance which will be a DeFi ecosystem with multiple services and integrations across ICON and other blockchain dApps. Karma Finance will have its own governance token called [KARMA](https://karma-finance.gitbook.io/karma-bond-documentation/overview/karma-finance-token-karma), which will be a reserve currency as well as a multi-utility token.

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*This documentation is subject to change as the early contributors of Karma Bond and Karma Finance are still in the design phase of these protocols with participation and feedback from the ICON community.*
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