Cash on the network.
Underwritten right.
M-Loans is short-tenor cash credit, sized by the same decisioning engine that runs our airtime credit, disbursed and repaid over mobile money. We built it because we watched too much of the mobile-credit market default to predatory pricing — and we believed we could do better. We have.
The four rules of
responsible mobile credit.
Mobile credit can be the most economically destructive product in a market or the most empowering. The difference is in the rules you bind yourself to.
Price honestly
A single, all-in service fee. No layered penalties, no compounding drift, no rollover traps.
Lend what they can repay
Limits sized to verifiable cash flow, not what we could legally charge. We say no often.
No cycle of debt
A defaulting customer does not get re-lent. Period. Recovery is humane and bounded.
Compliance is a floor
We meet local KYC and AML requirements and then build above them — because the standards exist for good reasons.