FAST, FAIR AND CLIMATE-SMART MICROCREDIT FOR RWANDA
MoneyPhone empowers smallholder farmers and micro-entrepreneurs with loans managed directly on their phones.
Our mission is to make finance fast, fair, and climate-smart.

What we do
We serve farmers with affordable loans
MoneyPhone's goal is to make a meaningful social impact by revolutionizing lending. We aim to provide access to finance through our advanced technology, empowering rural communities in Rwanda and beyond while keeping costs minimal.
All digital, all inclusive
Smallholder farmers form the foundation of Rwanda's agricultural sector. However, due to being perceived as high-risk borrowers, their ability to secure financing is constrained. At MoneyPhone, we use AI and other methods to mitigate the risk associated with agricultural lending. MoneyPhone is the bank in your hand.




How It Works
Our 100% digital lending platform makes borrowing simple and transparent. Loan decisions in under 24 hours — cutting costs, saving time, and reducing the carbon footprint of traditional banking.
Apply directly on your phone
No need to travel to a bank branch or handle paperwork — apply anytime, anywhere.
Credit scored instantly through our AI-powered model
Fair and transparent credit scoring enables quick decisions and reduces risk.
Receive and repay via mobile money
Receive your funds instantly and make repayments easily through mobile money.
Our Partners
We work closely with development partners who share our vision of inclusive and sustainable growth. Together, we design and scale digital financial solutions that empower farmers, cooperatives, and local entrepreneurs.















Our Global Presence
Since that first pilot, MoneyPhone has brought digital microcredit to 10 countries across Africa, Latin America, and the Middle East — supporting refugees, small farmers, women entrepreneurs, and cooperatives.
