• Our Vision

    Unlocking affordable impact-targeted financing to grow a green economy led by grassroots micro-enterprises.

    Aeloi is the phonetic spelling of alloy.

    Stronger together!

  • How we work

    We monitor the end-use of business loans using digital tokens, especially for informal sector micro-entrepreneurs

    1. (Micro)financial institutions use our software to disburse digital loans

    2. Borrowers use digital loans to buy from an accredited ecosystem of vendors. E.g. an agriculture loan buys goods and services from agriculture vendors only

    3. 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 behavior

    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 microfinance reports 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 a small amount of loans and disbursement.

  • Our Advantages

    Complete traceability and accountability

    Borrowers or fund recipients will only be able to spend the digital funds within an accredited ecosystem of vendors

    Combine public and private funding

    With our system, program funding from any source can be combined into a customized digital token and be traceable from source to end.

    Simplify monitoring and evaluation

    Real-time data can help improve project delivery throughout the implementation period

    Reduce management cost

    We are a technology platform built for economies of scale to reduce costs for compliance, procurement, and logistics.

    Build local markets

    Local spending builds local networks of service providers. Help ensure long term sustainability after the project cycle ends

    Services powered by data

    With detailed data, we can provide tailored approaches to each user of our platform.

  • Our Advisors and Collaborators

    We are supported by the following institutional partners

    United Nations Environment Programme

    United Nations Capital Development Fund

    United Nations Economic and Social Commission for Asia and the Pacific

    National Geographic Society


    Global Affairs


    One Young World

    Standard Chartered Ventures

    Social Innovation Challenge

    Monetary Authority of Singapore

    She Loves Tech

    Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ)

    The Futures Project

    Civil Society Academy

    The Spindle


    Climate Launchpad


    Mahila Sahayatra Laghubitta Bittiya Sanstha

    World Bank Group Youth Summit

    Value-chain Capacity Building Network




  • GEM is honored to be the Transportation Partner

    For OWN IT Nepal 2020 conference hosted by Women LEAD

    Aeloi partners with Mahila Sahayatra Laghubitta Bittiya Sanstha Ltd.

    Mahila Sahayatra is a women-focused microfinance with 35,000 members all around Nepal. We're honoured to be piloting both our agriculture and electric vehicle products with them.

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