The first open network to solve trillion-dollar credit gaps.
Stay up to date on our progress
Trillion-dollar lending opportunity
Small businesses and informal sector borrowers struggle to get credit from formal lenders. Globally this has led to a multi-trillion-dollar lending gap.
Why? It’s a catch-22. Many borrowers simply can’t get a loan without a track record of their creditworthiness from an institutional lender. But they lack the documentation to obtain such a loan in the first place.
Lack of documentation
No credit histories and limited paperwork
Lender procedures too burdensome for small borrowers
Too costly for lenders to assess risks
Borrowers turn to friends and family—or worse, local lenders with onerous terms
Opening up global lending markets
LendLedger unlocks data on informal and small business borrowers, making it viable for lenders to offer trillions in loans to these untapped segments.
Each party controls the transfer of their encrypted data, eliminating the risks of a centralized intermediary
Connects lenders, data providers, and borrowers in one reputation-building ecosystem
Every transfer across the network is publicly logged to a blockchain, an immutable ledger
Based on an open protocol and blockchain technology, LendLedger connects data providers, lenders, and borrowers for secure, transparent, cost-effective, and innovative interactions.
With blockchain technology, every loan, repayment, and detail of a transaction is recorded in near real-time.
See how open APIs, the Stellar blockchain, and our digital asset (LOAN) power the LendLedger ecosystem for lenders, borrowers, data providers, and more here.
Our L-Data and L-Lend software have powered data sharing and loans for small borrowers who are part of India’s leading payments, mobile wallet, and money transfer networks. Lenders use our credit decisioning to originate and manage loans on the LendLedger network.
See how our APIs, interfaces, and proprietary analytics have unlocked formal loans to borrowers for the first time, using data shared by these providers.
Co-Founder and CEO
Innovator in emerging market fintech since 2002. Founding or CXO roles at SKS Microfinance, Gates Foundation-funded CGAP Technology Program, Signal Point Partners, Jipange Kusave, MeraDoctor, and ArthImpact.
Pioneering banker in India for over 25 years. Founder or CEO at Fino PayTech, YTS (sold to Bharti Airtel), Airtel Payments Bank, and ArthImpact. World Economic Forum Young Global Leader.
Head of Product
Stanford grad with 20 years of building products in Silicon Valley. Head of Product at Yahoo! Sports, founder of two financial services companies, and licensed financial advisor.
Blockchain Network Governance
Expert on reputation systems in crypto markets and researcher on governance in public blockchains. PhD candidate at Oxford Internet Institute and doctoral candidate at Alan Turing Institute.
Senior technologist translating 20 years of large-scale systems architecting to blockchain. Fourteen years in the UK with clients such as Ford, Tesco, and Sainsbury’s. Former CTO for multiple VC-backed startups in India.
Blockchain architect with 3+ years of industry-leading experience. Founder of Cateina Technologies, leading blockchain and API banking work for Yes Bank and India's insurance blockchain consortium.
Leveraging extensive experience working with social finance organizations such as The ImPact in New York, TAB in London, and Dasra in Mumbai. Daniella graduated Summa Cum Laude from NYU.
Nick Hughes, OBE
Global leader in mobile money and finance. Founder of M-Pesa (world’s largest mobile money service) and M-Kopa. Formerly a Director of Signal Point Partners and Head of Global Payments at Vodafone Group. Received an Economist Innovation Award in 2010.
Leading thinker on the evolution of financial inclusion. Founder at Digital Frontiers Institute and Senior Fellow at The Fletcher School's Council on Emerging Market Enterprises. Former Deputy Director of Financial Services at the Gates Foundation and Director of Global Business Strategy at Vodafone.
LendLedger is changing the face of lending for unserved segments. Our software for data providers and lenders has processed tens of millions of dollars in loan requests for hundreds of thousands of borrowers and resulted in loans to informal and small business borrowers in 400 cities across India. Get in touch as we open up new markets across the world.
Copyright © 2018 LendLedger