For years, Musoni has worked to break down the barriers that keep millions locked out of the formal financial system. At the same time, Aloi, a pioneering fintech platform, has been transforming how capital flows to informal sector entrepreneurs, using innovative digital monitoring to make small loans both safe and sustainable. When our paths crossed, the fit was obvious.
“Aloi’s innovative approach to digitally monitored financing perfectly complements Musoni’s commitment to financial inclusion,” says Sander van Heijden, CEO of Musoni System. “Their cashless, transparent lending system addresses one of the challenges our partner institutions face, how to serve informal sector clients who lack traditional credit histories or collateral, without the high costs and risks that often make such lending unviable.”
Across the world, more than 90 million informal entrepreneurs ranging from street vendors to smallholder farmers, collectively generate an estimated $10 trillion every year. Yet, many remain out of sight for traditional financial institutions, excluded by strict credit requirements that don’t reflect their realities. For microfinance institutions, the challenge is equally pressing: monitoring these small loans can consume as much as a quarter of the loan value, making it difficult to serve these clients sustainably and at scale.
Aloi changes that. Their closed-loop token technology has already facilitated over $1 million in loans through 28 financial institutions, cutting monitoring costs dramatically and ensuring every loan is traceable, transparent, and impactful. But to take this innovation global, they needed a partner with proven banking infrastructure, and that’s where Musoni comes in.
With Musoni’s core banking system, Aloi partners gain;
- Proven scalability – already serving over 2 million clients across 30+ countries in Asia, Europe, Africa, and Latin America.
- Comprehensive core banking features – Includes essential modules for client management, loans, savings, and accounting.
- Digital Field Application (DFA) included – Enhances field operations on all Android devices, available in online and offline modes and syncs to the core banking system.
- API-ready integration – enabling a seamless link to Aloi’s monitoring tools and other third-party systems.
For Musoni’s partner microfinance institutions, the benefits are equally game-changing;
- Up to 85% reduction in monitoring costs
- 40% improvement in repayment rates
- 3× faster loan processing
By combining Aloi’s innovative monitoring technology with Musoni’s core banking system, we’re enabling financial institutions to reach more entrepreneurs, operate more efficiently, and help build stronger, more inclusive economies.
“Our partnership with Musoni allows us to scale our impact across Asia, Africa, and beyond,” says Tiffany Tong, Co-Founder and CEO of Aloi. “Musoni’s deep understanding of microfinance operations, combined with our technology, creates a powerful platform for responsible lending to communities that have traditionally been left out.”
But the story extends beyond finance. Aloi’s conditional tokens platform can power for-purpose wallets dedicated to essentials such as healthcare, education, and clean water. For example, community-generated carbon credits can be converted into verified revenues and channelled directly into local priorities, ensuring that the value created stays within and strengthens the community.
- Through this partnership, microfinance institutions gain access to new possibilities:
- Diversified funding beyond deposits and grants
- Measurable climate impact to attract ESG-focused investors
- Stronger community engagement through transparent, peer-monitored programs
- Higher margins on climate-linked products
Musoni provides the right tools so, even the smallest entrepreneurs can spark the biggest changes.
Contact Details:
Musoni
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