THE FUTURE OF LENDING

The first open network to solve trillion-dollar credit gaps.

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Mind the gap

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

Lack of documentation
No credit histories and limited paperwork

time consuming

Time-consuming
Lender procedures too burdensome for small borrowers

expensive

Expensive
Too costly for lenders to assess risks

competition

Competition
Borrowers turn to friends and family—or worse, local lenders with onerous terms

Lending the way

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.

trust

Trust
Each party controls the transfer of their encrypted data, eliminating the risks of a centralized intermediary

seamless

Seamless
Connects lenders, data providers, and borrowers in one reputation-building ecosystem

transparent

Transparent
Every transfer across the network is publicly logged to a blockchain, an immutable ledger

How it Works

Based on an open protocol and blockchain technology, LendLedger connects data providers, lenders, and borrowers for secure, transparent, cost-effective, and innovative interactions.

Before LendLedger

Before LendLedger

With LendLedger

With LendLedger

Every transaction accounted for

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.

Solutions

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.

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Our Team

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Gautam Ivatury
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.

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Manish Khera
Co-Founder

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.

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Greg DeForest
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.

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Odysseas Sclavounis
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.

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Srinivas Valluri
Head Tech

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.

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Sanachit Mehra
Blockchain Architect

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.

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Daniella Loftus
Communications Manager

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.

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Nick Hughes, OBE
Advisor

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.

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Ignacio Mas
Advisor

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.

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Alberto Jimenez
Advisor

Builder of high-growth SaaS and technology platforms. Order Management and Payments Leader for Watson Commerce at IBM. Former Director of Citibank's Global Mobile Solutions. One of FinTech News Magazine’s “20 Biggest Names in the Payments Industry” in 2016

Be part of the change

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.

Stay up to date on our progress

 

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