How We Work
We monitor the end-use of business loans using digital tokens, especially for informal sector micro-entrepreneurs
- (Micro)financial institutions use our software to disburse digital loans
- Borrowers use the digital loans to buy from an accredited ecosystem of vendors. E.g. an agriculture loan buys goods and services from agriculture vendors only
- Vendors redeem tokens into cash once services/goods are delivered
Gaps in Traditional Financing Systems
Lack Real-Time Feedback
Aeloi provides real-time data analytics on user spending behaviour
Leakage of Funds
Aeloi transfers finances directly to users and vendors, with no cash in-between , which reduces vulnerabilities
High Operations & Monitoring Costs
Physically visiting borrowers to follow up on loans and manual paper reports, requires a lot of time and resources. Many microfinances report spending as much as 30% of their expenses on operations. We can help reduce such costs by up to 50%.
High Administration Cost
Aeloi is fully scalable and supports small amount of loans and disbursement.
Our Advisors
We are supported by the following institutional partners
