Unlocking affordable impact-targeted financing to grow a green economy led by grassroots micro-enterprises.
Aeloi is the phonetic spelling of alloy.
How we work
We monitortheend-useofbusiness loansusingdigital tokens, especially for informal sector micro-entrepreneurs
(Micro)financial institutions use our software to disburse digital loans
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
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.
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 Canada
One Young World
Standard Chartered Ventures
Social Innovation Challenge
Monetary Authority of Singapore
She Loves Tech
Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ)