PayRipple

PayRipple is a peer-to-peer microloan and group savings platform designed for underserved communities and informal sector workers. It leverages mobile technology and behavioral AI to provide credit scoring, microloans, and digital cooperatives (ajo/esusu) without the need for collateral or traditional bank accounts. Users can join savings groups, borrow small funds instantly, and repay in flexible installments using mobile wallets or USSD.