Ziya bridge limited The Trust os for africa's group economy — finance for the 70% left out

Ziya is the Trust OS for Africa’s group economy — group-native credit, savings, and payments built for the 70% the banks problem. Africa’s finance system is built for individuals: long forms, formal collateral, individual credit history. 70%+ of Kenya’s 7.5M MSMEs are locked out. Yet 95% of women-led MSMEs already organize in groups — chamas, VSLAs, cooperatives — that achieve 99% repayment through community trust. Mobile money digitized individual payments but never the group ledger. The trust infrastructure exists; the digital infrastructure doesn’t.
The solution. Ziya is the operating system for chamas. Group-native identity (every account is a group, not an individual). Self-renewing capital that rotates within trust circles ~7x per year. Zero-interest, subscription-based — we monetise the rail, not the loan. And a data graduation path that turns group repayment history into formal credit access. Traction (May 2026, coastal Kenya). 803 active groups (+246 last month). 8,462 borro