- Joyce Kim co-founded Stellar to build low-cost financial access across borders using blockchain.
- She now drives change through investments and advocacy in open financial systems.
When you hear the name Joyce Kim today, what probably comes to mind is blockchain technology, cross-border transactions, and investing in the crypto industry. But who would have thought that her beginnings were far from all that.
She grew up in the middle of New York City as the child of Korean immigrants, and from a young age she realized that the traditional financial system often does not side with vulnerable groups. That’s what makes her career journey feel very personal. It’s not just about technology, but about bridging inequality.
Joyce Kim: From Courtroom to Blockchain
Graduating from Cornell at the age of 19 is not commonplace. Going on to law school at Columbia and Harvard is also not something we often hear about. However, instead of settling down as a corporate lawyer, Joyce chose a riskier path.
She had a career as a lawyer at a top firm, but was also active in defending victims of violence and doing pro bono work. Maybe at that time she didn’t think she would enter the crypto space, but the seeds of her sensitivity to issues of access and justice had grown for a long time.
On the other hand, not many people know that Joyce was also the CEO of Soompi—a favorite K-pop portal for many people before the social media era exploded.
She then founded a startup called Simple Honey, which focused on mobile commerce. When all this happened, the crypto space had not really exploded. But slowly, her interest in technology began to be directed towards one important question: how can blockchain be used to create wider financial access?
The answer came in 2014, when she decided to co-found the Stellar Development Foundation with Jed McCaleb. Their vision was simple, but ambitious: connecting people around the world with a cheap and transparent financial system. Stripe even provided seed funding of $3 million.
Not many blockchain projects at that time could attract partners of that size, let alone with such a social approach. Stellar was not just about technology, but about creating a new financial infrastructure for people who were often overlooked by the old system.
Furthermore, Joyce decided to step back from executive roles and focus on being an investor. She leads SparkChain Capital—a $100 million venture fund focused on blockchain and crypto startups. Her investment style is also interesting: not just chasing projects that promise quick returns, but ones that have real foundations and broad impact. In a world full of fun tokens and weird projects, this approach is quite rare.
Pushing Change Beyond the Spotlight
Today, Joyce is not only known as the co-founder of Stellar. She also regularly speaks at global forums, including the UN and the World Bank. Her topics always come back to the same thing: how technology can be used to open up economic access, not just to make money. She advocates the importance of an open financial system that is not dependent on social status, country of residence, or credit history.
However, Joyce is also aware that blockchain is not a magic bullet. In several interviews, she admits that the technology still needs a lot of work to be truly inclusive. But at least, she says, it’s a better start than simply maintaining an old system that has never been on everyone’s side.
In hindsight, Joyce Kim’s story is a unique combination of idealism and realism. She has a big vision, but is also pragmatic enough to know that change requires strategy, networks, and patience. And more importantly: she knows when to step back in order to drive broader change from the other side.
Few figures in crypto have such a complex personal and professional footprint. Amid the hustle and bustle of projects coming and going, Joyce Kim’s story is a reminder that the best technology is the one that everyone can use—not just those who have it all from the start.
