Sub-Saharan Africa has the highest rates of education exclusion in the world. Nigeria alone has 20M out of school children. And the core reason for this is the convenience of school fees payment. Dadalowa solves this by providing micropayment solutions for parents who cant pay their children school fees in lump sums. It is a social trust system that uses thrift to unlock credit access. Parents pool school fees by installments into virtual wallets that Dadalowa creates for them with a partner bank and schools get paid lump sums from this pool.