Cladfy offers a Core Banking platform to SACCOs, cooperatives, fintechs and MFIs. We anchor tamper-evident borrower identities and loan lifecycle events on-chain; and we're extending the same layer to stablecoin disbursement and repayment.
Hundreds of millions of people in emerging markets borrow outside the formal banking system. Their repayment behavior is real; but it's often trapped in one lender's database. When a borrower moves, switches institutions, or crosses a border, that history frequently doesn't follow.
Cladfy was built to fix that at the institution level: KYC, origination, disbursement, repayment, and portfolio management in one platform. Our blockchain layer adds a portable, verifiable audit trail; borrower decentralized identifiers (DIDs) and loan lifecycle events anchored on-chain, so credit history can be referenced across institutions without trusting a single database.
This isn't a crypto lending app. It's institutional microfinance infrastructure with an On-Chain Credit and audit layer designed for unbanked and underbanked borrowers.
The Cladfy Microlender platform is live with real MFI lenders, real borrowers, and real money movement through local payment rails.
| Today | Detail |
|---|---|
| Core platform | Core Banking SaaS: KYC, credit scoring, loan lifecycle, savings, accounting, borrower portal |
| Payment rails | M-Pesa, MTN MoMo, bKash |
| On-chain layer | Borrower DIDs + loan event anchoring via a provider-abstracted integration |
| Current status | On-Chain Credit and loan-event anchoring live on public testnet , borrower DIDs are anchored and publicly verifiable; loan-disbursement anchoring rolling out |
Microfinance runs on thin margins and high event volume. A single loan can generate many on-chain writes; onboarding, approval, disbursement, repayments, closures. Cost per write and settlement speed directly affect whether blockchain is viable for the unbanked, not just technically possible.
| What microfinance needs | Our target |
|---|---|
| Near-zero cost per on-chain write | Fractions of a cent per operation |
| Fast, deterministic confirmation | Seconds, not minutes |
| Cross-border disbursement & repayment | Native stablecoins and compliant on/off-ramps |
| Financial-inclusion fit | Built for real-world borrowers, not speculators |
Migrate our anchoring adapter to a low-fee network. Borrower DIDs and loan lifecycle events (create, approve, disburse, repay) recorded on-chain behind our existing integration contract. Same loan engine; new chain adapter.
Disburse and collect loans in stablecoins via disbursement infrastructure and regulated anchor partners, with local rails (M-Pesa, MoMo, bKash) for last-mile cash-in and cash-out. Identity, lending, and settlement unified on one low-cost network.
Our architecture treats the blockchain as an anchoring and settlement layer behind the lending platform. The application uses generic on-chain references, a configurable API base URL, and a network explorer prefix. Switching the backing chain is an adapter and configuration change; not a rebuild of loan logic, DIDs, or the UI.
Public borrower DIDs and loan events are verifiable on-chain. Contact us for demo access and explorer links.
Run lending on Cladfy today. Optional On-Chain Credit and audit trail per tenant. No crypto expertise required for staff or borrowers.
We integrate with anchors, disbursement platforms, and identity standards. Our layer is API-driven and chain-agnostic by design.
This page is the canonical reference for Cladfy's blockchain work: product scope, architecture, traction, and roadmap.
No. Cladfy is B2B SaaS for MFIs, SACCOs, and cooperatives. Borrowers interact through their institution and familiar payment methods. Blockchain provides auditability and portability not speculative crypto lending.
Borrower DID issuance and loan lifecycle event hashes (e.g. create, approve, disburse, repay). We anchor proofs and identifiers — not full PII — in line with privacy and compliance requirements.
Today: local rails (M-Pesa, MTN MoMo, bKash). Roadmap: stablecoin disbursement on-chain with regulated on/off-ramps and cash-out to mobile money where needed.
Not necessarily. Institutions and integrations can abstract wallet creation and custody. The goal is familiar UX for borrowers and staff.
Yes. DIDs and loan events are publicly verifiable on-chain. Contact us for demo access, architecture documentation, and pilot discussions.
Contact us for architecture documentation and technical materials.
| Resource | Link |
|---|---|
| Cladfy platform (product) | cladfy.com |
| Microlender product page | Core Banking |
| Contact / partnership | Talk to us → |
We're looking for MFI pilot partners, stablecoin on/off-ramp providers, and ecosystem collaborators in East Africa and South Asia. If you're reviewing a grant application or integration proposal — this is the project home for Cladfy's blockchain work.