The principle behind T.OS is the establishment of a commercial payment system that utilizes digital currency. This will be the first such system in the history of the world. The solution comprises two coins. The TOS coin, or TOSC, is a regular cryptocurrency coin, which is not used for commerce, but can be exchanged on regular exchanges to any other digital currency. Its value may appreciate or depreciate and that is why it can't be used for commerce.
Kava is a DeFi platform that offers collaterized loans and stablecoins built with the Cosmos SDK. It aims to be cross-chain enabled bringing stablecoins to major crypto ecosystems such as BTC, BNB, ATOM and more. KAVA token will act as a governance and staking token to secure the network and vote on key upgrades. USDX token will be issued as a stablecoin backed by crypto asset collateral. Some calls it the MakerDAO on Cosmos. While USDX will be have similar to DAI, the USD stablecoin on Ethereum.