1terr/Lynia-finance

Alternative credit infrastructure for Zimbabwe's underbanked majority. 14 Lambda microservices, WhatsApp-first UX, AI/ML underwriting, Fineract core banking on ECS. Regulated by RBZ. # Lynia Finance **Financing for the productive majority.** Credit infrastructure for Zimbabwe's underbanked majority, powered by AI/ML underwriting and enforced through technology. Regulated by the Reserve Bank of Zimbabwe. ## Vision **The underbanked aren't high-risk—they're unmodeled.** We're building the first credit system designed for the informal majority in Zimbabwe. 80% of Zimbabweans work in the informal sector with no payslips, no contracts, and no access to formal credit. Legacy credit models rely on collateral, employment history, and credit scores—none of which exist for the underbanked. Lynia Finance is building a parallel financial system where credit decisions are made through alternative data, enforced through remote asset-lock technology, and repaid through mobile money rails integrated directly into income streams. ## The Problem **Credit in Zimbabwe was never built for the informal majority** - **80% informal workforce**: No payslips, no formal employment contracts, invisible to traditional lenders - **76% informal businesses**: Unregistered, cash-based, and excluded from formal financing - **Legacy lending broken**: Traditional models require collateral, employment verification, and credit history that don't exist The informal economy isn't unproductive—it's simply unstructured and unmodeled by existing financial systems. ## Our Solution **A new credit infrastructure: powered by data, enforced by tech** 1. **AI/ML Underwriting**: Assess affordability and repayment behavior without formal credit history, using alternative signals from mobile money behavior, location data, and social networks 2. **Enforceable Collateral**: Remote asset-lock technology enables asset-based lending at scale—smartphones and vehicles become productive collateral that can be locked/unlocked remotely 3. **Revenue-Linked Repayment**: Flexible payment collection that adapts to irregular income streams via mobile money integration (InnBucks, EcoCash, OneWalle …