Building for the ones the system turns away.
We build the technology and the ventures that inclusive finance markets are missing.
“We need your husband’s signature to proceed.”
“Come back when you have real money.”
“We need more stable employment records to proceed.”
“Your application does not meet our minimum requirements.”
“Unfortunately we cannot proceed with your request.”
1.3 billion
adults still lack access to financial services.Source: World Bank, Global Findex Database 2025, press release of 16 July 2025.700 million
women worldwide still have no financial account.Source: World Bank, Global Findex 2025, data blog of 11 November 2025.
Financial identity and ledger. One foundation.
Circular Financial Identity shows who a person is financially. The Global Unified Ledger lets their finances move with them, across institutions and borders. Each completes the other.
Locked. Operated by RootFi.
Building inclusive finance solutions.
Defy Network
Cross-border payment rails that let banks and payment providers serve underserved people at low cost.
Cahayaat
Financial literacy programmes that NGOs, public organisations and providers deliver in their communities.
nostroFi
A peer micro-entrepreneurship platform that banks, microfinance institutions and cooperatives use to serve informal businesses.
d.risk
Credit assessment that lets lenders and credit bureaus serve people with a thin file, based on their real economic activity.
D4Good
A decentralised development fund that lets banks and institutions turn everyday transactions into impact.
GFC Banking
Banking-as-a-service that lets banks, payment institutions and fintechs offer borderless, responsible banking to their customers.
UnconventionalFairness and strengthFor the underdog
01
Start from the gap
We identify the gaps to achieve national financial inclusion priorities.
02
Build the venture
Each solution becomes a venture, with its own product, team and capital.
03
Open by design
Our solutions are interoperable and open to any authorised partner.
Build the next layer with us.
We work with investors, technology partners, financial institutions and startups.