Notes on onboarding the next billion

By Gib Lopez, Co-Founder and COO and Camila Perez Aloi, Senior Risk Manager When we started PayJoy five years ago, our theory was that we could unstick the credit ecosystem by providing customers with little or no access to credit with collateral in the form of smartphones and giving lenders…

By Jaideep Mirchandani, Chief Product Officer In previous PayJoy blog posts, we highlighted the problem of lending to the underbanked and how PayJoy technologies are helping to solve this problem. Core technologies like the PayJoy Lock and Score enable our partners to reach underserved consumers by solving the collateral and…

Innovative technologies like the PayJoy Lock are likely to lead to the next smartphone boom on the continent.

PayJoy has committed to running carbon-neutral by funding carbon offset projects in countries where we operate since 2022. For 2025, we are delighted to announce we are funding an Amazon forest protection project in Madre de Dios, Peru through ClimatePartner.