"It's 6 PM. My daughters are hungry, but I won't get paid until tomorrow. The credit shark wants 800% interest. I just need $3 for rice and milk."
— Maria, 22, working mother
Fair Credit When You Need It Most
Ultra-small credits from $2.50–$25 at a fraction of what credit sharks charge. Instant approval in seconds — no credit scoring needed. Credit limits grow automatically as you repay. Money goes directly to your trusted local merchant.
Maria's Story
See how nano-credits change lives
😔 Before: Credit Sharks
Maria needs $3 for rice and milk for her daughters' dinner.
She goes to a credit shark who charges 800% interest — that's $0.60 extra for just one day!
The debt keeps growing. The cycle never ends.
💔 Trapped in debt, constant worry
😊 After: Nano-Credits
Maria opens our app and requests $3 in seconds.
Money goes directly to her trusted local store. She gets the food immediately.
Pay back when she can — transparent rates, no surprises.
✨ Freedom, dignity, and hope
The Difference
Annual interest rate
💳 Buy now, pay later — transparent, fair, and dignified
We're a for-profit company — because financial sustainability is what lets us reach millions of people, not just hundreds.
What Do You Actually Pay Per Year?
Adjust the sliders to see your real annual interest cost
Based on 800% (credit shark) vs 50% (NanoCredit) annual interest rate
See It In Action
Real app screenshots from our live system
1. Request Loan
Select merchant, enter amount ($2.50–$5). World ID verified users get instant approval.
2. Instant Payment
Money goes directly to merchant via USDC. Zero collection risk, prevents cash misuse.
3. Repay & Grow
On-time repayments grow your limit from $2.50 to $5 — building portable, on-chain credit history. Phase 2 unlocks larger limits through verifiable family-positive actions.
Bigger Credit — Earned, Not Granted
Higher limits, up to $25, unlock through verifiable pro-social actions — not through credit scores or paperwork. Credit becomes the incentive for intergenerational mobility, not a consumption bridge.
Kids in School
Enrollment verified through local NGO partnerships unlocks higher credit limits for the family.
Financial Literacy Completed
Short, gamified lessons in partnership with Mogaland (Munich, Tradelite Group). Proof of education becomes on-chain credit data.
Optional Triggers
Health check-ins, formal employment, or community contributions — modular triggers we evaluate per pilot market.
Ready to Get Involved?
Whether you're an investor, partner, or want to learn more about our mission.