Advanced investment solutions leveraging artificial intelligence for superior risk-adjusted returns across market conditions.
Investing in credit and microcredit may seem complex. We simplify it by offering diverse opportunities: from short-term microloans to secured business financing. Our products complement each other, allowing you to build a portfolio that matches your financial goals and risk tolerance.
Our selection system analyzes hundreds of parameters and approves only the top 5% of the most reliable borrowers.
Understanding the differences between our investment options helps determine the optimal strategy:
Regular interest payments or a combination of interest and early repayment bonuses.
Microloans often offer higher rates, while larger secured loans provide stability.
From 3-month microloans to 3-year business loans with early exit options.
Spreading investments across borrower types, industries, and regions reduces risks.
Choose ready-made loan pools formed according to specific criteria. Each pool is pre-vetted for yield potential and risk level. Invest your desired amount and start earning income from the next month.
Short-term loans to individuals and micro-businesses. Higher yields compensate for increased risk. Reserve fund covers up to 7% of potential defaults.
Medium-term loans to small and medium businesses secured by assets or revenue. Lower yield compensated by collateral and thorough selection.
Our professionally managed funds make portfolio diversification easy. A team of experts independently forms and manages a credit portfolio, regularly rebalancing it to optimize risk and yield.
Balanced mix of microloans, consumer credit, and business loans. Automatic portfolio rebalancing. Exit from the fund is available quarterly.
Specializes in financing social enterprises and entrepreneurs from vulnerable groups. In addition to financial return, social impact is measured.
You can invest directly in credit pools or through managed funds. Many investors combine both approaches for diversification.
We recommend combining different products for optimal risk and yield balance. Start with a fund for basic diversification and add individual pools to increase yield.
For most products — monthly. Some business loans may have quarterly payments. All details are specified in each product description.
We use a multi-layer protection system: reserve funds (5–7% of portfolio), collateral for business loans, diversification, and AI scoring. However, like any investments, lending carries the risk of capital loss.
For individual pools — through a secondary platform after 3 months. For funds — quarterly, starting from the 6th month of investment. Details in the terms of each product.
From 3 months for microloan pools. To achieve the stated yield, we recommend a term from 12 months.
For the Social Impact Fund, we report quarterly on indicators: number of jobs created, support for women entrepreneurs, environmental effects.
*The indicated yield ranges are based on historical data and internal forecasts. Past results do not guarantee future returns. Actual yield may be lower or higher than indicated.
All investments carry risk, including possible loss of principal. Credit investments are subject to borrower default risk, interest rate changes, and macroeconomic conditions. Before investing, review the full product documentation and, if necessary, consult a financial advisor.