Financial products for Zimbabwe's underbanked majority.
Three credit products designed to transform mobile money velocity into financial access. Join the waitlist to be the first to know when we launch.
Digital Credit
Instant micro-loans powered by mobile money transaction history. We analyse EcoCash, Innbucks, and OneMoney velocity to build a credit identity for thin-file borrowers who have never accessed formal credit.
Who it's for: Informal traders, market vendors, and gig workers across Zimbabwe.
Embedded Credit
API-based lending infrastructure for platforms and enterprises. Embed credit decisioning, disbursement, and collection directly into your app or marketplace with a few lines of code.
Who it's for: Fintechs, e-commerce platforms, and enterprise partners looking to offer credit at the point of need.
Asset-Backed Credit
Smartphone financing with IoT-based risk management. Customers receive a productive asset on credit, and Lynia uses real-time device telemetry to substitute traditional collateral—shifting from negative collateral to productive trust.
Who it's for: First-time smartphone buyers, small business owners, and informal workers building their digital livelihood.