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Aloi Digital Tokens

How does our technology work?

Our digital tokens are kept within a network of vetted vendors. Microentrepreneurs receive digital token loans and can choose where, when, and how much to spend their loan. We have an SMS system and offline app information which operates through SMS. We also have an IVR system, to answer frequently asked questions, provide basic information, and record onboarding information.

A trustworthy transaction record is automatically generated without the need for detailed manual monitoring and evaluation. An online database and visualization dashboard is accessible from any internet-connected device. In the future, blockchain-based smart contracts will be used to ensure smooth implementation of reimbursements, incentives, subsidies, or other types of program design.

Aloi Digital Tokens

We currently have 2 digital loan products

1. ReGrow

Agriculture product specially designed for first-time digital financial service users

Connecting users to financing and vendors with microloans issued in digital tokens.

Building trust between lenders and borrowers. Lenders can know exactly where, when, and how the funding has been spent. Borrowers are in a position of market power to demand better services from vendors.

We are partnering with Mahila Sahayatra Laghubitta Bittiya Sanstha and Laxmi Mahila Savings and Credit Cooperative for this pilot.

Apply as Vendor

2. Green Energy Mobility (GEM)

Providing high-quality public transportation powered by electric vehicles in Kathmandu.
Starting with the iconic safa tempo, or electric minibus.

Safa tempos have been providing public transportation services for 20 years in Kathmandu, with the majority-owned and operated by women. With over 700 safa tempos, we are a green city pioneer.

We aim to continue this legacy by helping safa tempo owners continually update their technology by having access to affordable finance.
To find out more about how to book a renewable energy power minibus with us, please visit Bijulipower

Apply as Vendor
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