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Jia is a decentralized lending protocol connecting capital to real yield opportunities from small businesses in emerging markets.

Seed Round: $4.3 Million

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Project industryCrowdfunding & Lending
Product typeProtocol
WhitepaperJia White Paper Open

What is Jia

Jia is an emerging market DeFi platform provides blockchain-based loans, investments and ownership to businesses in every corner of the world.

Jia offers loans of up to $5,000 to small businesses filling a gap currently left by digital lenders and loan apps that do not offer loans above $1,000.

Jia’s loan repayment tenure is based on the borrower, and can extend up to six months, and attracts interest of around 2% to 6% per month, depending on the borrower’s profile. Borrowers accessing inventory and invoice financing have up to three months to repay.

The Jia protocol has four core participants:

  • Borrowers. Micro, small, and medium-sized enterprises (MSMEs) in emerging markets who borrow from Jia’s lending pools. MSMEs can be referred to Jia by Partners (defined below) who furnish data for underwriting, or may come to the platform directly. MSMEs may also provide collateral to unlock more favorable loan terms. Borrowers will interact with Jia via a simple mobile app with blockchain components abstracted away.
  • Lenders. Investors who deposit capital into Jia’s lending pools to earn interest generated by Borrower repayments.
  • Sponsors. Holders of on-chain assets that are used to collateralize loans for prospective Borrowers who would otherwise be too risky to lend to according to the protocol’s underwriting.
  • Partners. Platforms that power the Borrower’s business. Partners refer Borrowers to Jia for financing and may provide data used in underwriting.


Raised: 4,300,000 USD


Registration year: 2022

Token info

Ticker: JIA

Project team

Augustine Kimau
Augustine Kimau
Augustine Kimau linkedin
Cheng Cheng
Cheng Cheng
Cheng Cheng linkedin
Gertrude Mirriam
Gertrude Mirriam
Gertrude Mirriam linkedin
Ivan Orone
Ivan Orone
Ivan Orone linkedin
Kenny Kemboi
Kenny Kemboi
Kenny Kemboi linkedin
Mark Sy
Mark Sy
Business Operations
Mark Sy linkedin
Yuting Wang
Yuting Wang
Data, Credit & Finance
Yuting Wang linkedin
Zach Marks
Zach Marks
Zach Marks linkedin

Social media

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