1.4 billion people still lack access to credit.
Traditional finance has failed them. Requirements for credit history, collateral, and costly underwriting create insurmountable barriers for those who need capital most. A vendor in Lagos earns cash daily but can't prove steady income. A Colombian nurse with years of perfect informal repayments remains invisible to banks. Even those with savings find themselves excluded. The economics are clear: serving the global majority remains structurally unprofitable for traditional institutions.
We're building a credit system that's accessible to anyone with internet access.
It's called Credit.
Instead of expensive verification, we use progressive trust-building: loans start small and can grow to USD $1,000+. In Argentina—where staggering inflation causes banks to routinely fail—over 20,000 people use Credit for groceries, medicine, and transportation. They call it "la salvación del mes"—the month's salvation. Undercollateralized lending at scale. As borrowers build trust, default rates have approached zero. Word spreads: 140,000 people now wait for access.
We're building not charity but a profitable system serving those whom banks structurally cannot. Most borrowers are unaware they're using groundbreaking financial technology. It's just a radically simple experience: Request a loan. Receive funds in seconds. We see an encouraging future: Instantaneous. Universal. Algorithmic by design. The technology exists. The demand is massive.
We seek engineers who think in first principles, designers able to abstract complex systems, and operators who scale systems that touch millions. Take a look at our open positions.
Join us in making credit a human right, not a privilege.