We built a business bank for emerging markets.
Now it's an OS you can deploy.
Jia is the business banking OS for emerging markets — accounts, AI underwriting, and tokenized capital rails. Built to serve businesses traditional banks wouldn't touch, and validated on our own loan book in the Philippines. Now any financial institution can run it in week.
SME lending in emerging markets is broken for institutions, not just borrowers.
Your borrowers don't have the data you need.
SMEs in emerging markets run on spreadsheets, WhatsApp, and five bank accounts. Their cash flow is real.It's just invisible to you. Without a banking relationship, you're making credit decisions from incomplete documents submitted once, rather than a continuous picture of how the business actually moves money.
Underwriting doesn't scale.
Analysts manually key data from documents into spreadsheets.
Decisions take days, cost too much per application, and vary depending on who's in the room. Smaller loans aren't worth the work, good borrowers get turned away, and the only way to do more volume is more headcount.
Your balance sheet limits how fast you can grow.
Even when you find good borrowers and make good decisions, deposit-funded lending has a ceiling. Raising capital to grow an SME book is slow and expensive. Less than 5% of global private credit ever reaches emerging markets.
The demand is there. The supply chain for capital isn't.
Even when you find good borrowers and make good decisions, deposit-funded lending has a ceiling. Raising capital to grow an SME book is slow and expensive. Less than 5% of global private credit ever reaches emerging markets.
The demand is there. The supply chain for capital isn't.
The full stack for SME lending in emerging markets.
