On-chain micro-lending for small businesses.
Bringing the underbanked on-chain
Lenda connects small business owners in emerging markets with global lenders. $50–$500 loans, powered by USDC. No bank account needed.
The problem
They're not risky. They're invisible.
No credit score, no bank relationship, no collateral. Over 600 million small businesses in emerging markets are locked out of formal credit entirely.
$5.2T
Credit gap facing small businesses in emerging markets
600M+
Small businesses with zero access to formal credit
40–80%
Annual interest from informal, predatory lenders
How it works
Five steps. No seed phrases.
01
Apply
Borrower creates a profile, connects mobile money, submits a loan request.
02
Score
Lenda generates a trust score from history, cash flow, and community vouching.
03
Fund
Lenders browse the marketplace and fund loans in USDC
04
Receive
Smart contract releases USDC. Borrower off-ramps via mobile money.
05
Repay
Weekly installments auto-route to lenders. Every repayment builds credit.
For borrowers
- —Access $50–$500 loans in minutes
- —Repay in small weekly installments
- —Build an onchain credit identity
- —Never know you're using a blockchain
For lenders
- —Earn yield on USDC
- —Fund impact investments globally
- —Browse loans by risk, country, type
- —Real-time repayment dashboard
Every repayment is a credit score.
Every loan is proof DeFi can change lives.
We're starting in Lagos and Nairobi. Get early access.
Get early access