MoneyPhone Africa Ltd The Bank in Your Hand

MoneyPhone provides digital, collateral-free loans to smallholder farmers in Rwanda, enabling investment in seeds, fertilizer, labour, solar irrigation and clean cooking. Built around harvest cycles, its model combines cooperative partnerships with data-driven credit assessment to serve farmers excluded from traditional finance. MoneyPhone has disbursed 13,000+ loans across all four provinces, operates in 13 agricultural value chains and manages EUR 2.3m+ in assets. It achieved profitability this quarter, reflecting strong demand, repayment performance and scalability. The company aims to become the leading digital financial infrastructure for underserved agricultural communities, combining affordable credit, climate finance, green technologies and productivity services to increase yields, resilience and incomes while reducing emissions. It is backed by Rabo Foundation, BRD/World Bank, Achmea, DEG Impulse, Invest International and impact investors.