Similar to the relationship between Polkadot and its “canary network” Kusama, Heiko Finance is the sister network to Parallel, and the parachain that we will launch on the Kusama network. This paper introduces three decentralized, Kusama-powered protocols built to accelerate liquidity and adoption on the Kusama network. The first is a decentralized money market protocol that offers lending and borrowing. The second is a staking derivative protocol that tokenizes native KSM tokens. The third is an under collateralized lending market built to help teams form capital for parachain auctions. This paper outlines our protocol designs and product strategies.