Maria's Journey
Follow Maria as she gets the $3 she needs in under 60 seconds — at a fraction of what credit sharks charge. Buy now, pay later with no time pressure.
Meet Maria
- 👩👧👦 22 years old, single mother of 2 daughters
- 🏪 Runs small neighborhood store from her home
- 💰 Earns $3.50-$7/day, but customers pay tomorrow
- 🍚 Needs $3 tonight for rice and milk
- 😰 Loan shark charges $0.60/day (800% annually)
"I just need $3 for tonight's dinner"
Maria Opens the App
Maria selects "Kuya Jun's Store" and enters ₱150 ($3). Gets instant approval in seconds - no credit scoring needed!
- No credit scoring required
- Instant approval in seconds
Money Goes to Store
6:01 PM: ₱150 instantly appears in Kuya Jun's account. No cash, no temptation - just credit for exactly what Maria needs.
- Direct merchant payment
- User gets goods immediately
Maria Gets Her Food
6:05 PM: Maria walks to Kuya Jun's, shows her QR code, gets rice and milk. Tomorrow: pays back ₱150 plus a small fair fee — a fraction of what a loan shark would charge.
- Progressive credit building
- On-chain credit history
Why sub-$25 lending finally works
Three structural pillars that together make nano-credit economically viable for the first time.
No KYC required
Classic KYC costs $5–30 per user and excludes the very people we serve. World ID verification is $0 — identity isn't gated by bureaucracy, so we reach the last mile.
Benefit of the doubt
Every verified human starts with micro-credit — no upfront score, no filter. Reputation is built through behavior. We break the classic Catch-22: no score → no credit → no score.
Proof of human stops bot-farms
1 iris = 1 human = 1 account. Without Sybil resistance, sub-$25 lending would be drained by bot-farms in days. World ID native on World Chain makes nano-lending economically viable for the first time.
See It Live
Watch the actual lending and repayment flow in action
App Demo & Introduction
Complete introduction and app walkthrough
Technical Flow
Lending and repayment flow demonstration