Financing for the productive majority. Credit infrastructure for thin-file entrepreneurs transitioning from survival to growth.
The state of financial inclusion
Behind every statistic is someone building a livelihood without a safety net — a vendor, a farmer, a mother. The tools to reach them already exist.
of adults access formal credit
use mobile money
own a smartphone
work in the informal sector
Three products, one mission.
Conversational Liquidity
Instant, collateral-free credit for civil servants and partner employees.
Online
API for Ecosystem Resilience
Connect via API or data sharing to finance your platform's ecosystem. We analyze mobile money activity to provide credit bundled with health/life insurance and capacity-building mechanisms.
Partners
Lynia
Core Engine
Mobile $
Productive Asset Financing
We finance the income-generating tools of the informal sector—starting with smartphones and scaling to gig-economy assets.
IoT-based risk management
We substitute traditional collateral with real-time asset telemetry. By monitoring usage and health, we enable credit for those the formal system deems “unbankable.”
Programmable Resilience.
One integration to manage KYC, scoring, and disbursement across Zimbabwe's mobile money landscape.
KYC Verification
National ID + face match in seconds
Credit Scoring
ML-based scoring from mobile money data
Instant Disbursement
Push to EcoCash, Innbucks, OneWallet
Device Management
IoT-based collateral via Trustonic
Research-driven approach
We publish our thinking on financial inclusion, credit innovation, and the dynamics of Zimbabwe's informal economy.
Ready to build with us?
Transform mobile money velocity into credit identities. Get started with Lynia's financial infrastructure for Zimbabwe's informal economy.