FINANCIAL ACCESS FOR THE REAL ECONOMY

Your work should count toward your financial future.

Truemonie helps farmers, market women and small businesses build financial identity, save with confidence and access responsible credit based on how they actually earn.

Zero collateral demanded
Alternative cash-flow underwriting
Built for Nigerian MSMEs
Nigerian trade entrepreneur in her store
Real Economic Activity

Omotola Textiles & Apparel

Terminus Market, Jos • Daily trade turned into financial profile

Financial Identity SignalConsistent Daily Cash Velocity
Verified
THE PATHWAY TO INCLUSION
01↓
ECONOMIC ACTIVITY
Daily trade & harvest cycles
02↓
SAVINGS
Consistent track record
03↓
FINANCIAL IDENTITY
Verified capacity signals
04↓
RESPONSIBLE CREDIT
Tailored to cash flow
05
GROWTH
Sustainable expansion

Built for people whose economic activity is real, but whose financial history is often invisible.

Farmers

Seasonal income shouldn't mean permanent financial exclusion. Flexible facilities that match planting and harvest seasons.

Market women

Daily economic activity should help build financial opportunity. Turning fast-moving inventory into verified financial history.

MSMEs

Growing businesses need financial tools that understand how they actually operate, evaluating real cash flow rather than land titles.

THE PROBLEM

Millions create value every day. Too little of that value becomes financial opportunity.

“The problem isn’t a lack of economic activity. It’s a lack of financial visibility.”

Traditional financial systems often depend on formal salaries, collateral, established credit histories and documentation that many underserved entrepreneurs simply do not have.

But lack of formal financial history does not mean lack of economic activity.

A farmer can produce every season.
A market woman can sell every day.
A small business can generate revenue every week.

The problem is that much of this activity is not captured in a financial identity that lenders can understand.

HOW TRUEMONIE WORKS

Turn everyday activity into financial identity.

01

Understand

We learn about the customer's identity, business, income patterns and economic activity.

02

Build

We combine consented alternative data, savings behaviour and financial activity to build a financial identity.

03

Save

Customers can build financial discipline and establish a track record through savings.

04

Access

When eligible, customers can access credit based on their financial capacity rather than simply the amount they request.

05

Grow

Successful repayment strengthens their financial identity and can progressively unlock greater financial access.

THE TRUEMONIE CONTINUUM
Economic activity→Financial identity→Savings→Responsible credit→Growth
A NEW KIND OF FINANCIAL IDENTITY

Your financial history is more than a credit score.

For millions of people, their financial story exists outside traditional banking systems. Truemonie looks at the broader picture to create a richer understanding of a customer’s actual financial capacity.

ETHICAL DATA PRINCIPLES

More evidence. Not more surveillance.

All data is gathered strictly with customer consent. We never sell customer records or extract invasive personal data. We gather only the practical economic signals necessary to establish fair financial standing.

HOLISTIC SIGNALS OF FINANCIAL CAPACITY
Economic activity
Savings behaviour
Business stability
Cash-flow patterns
Repayment behaviour
Community and business relationships
Together, these verified signals create a continuous financial identity that belongs to the customer and strengthens with every transaction and repayment.
BUILT FOR THE REAL ECONOMY

Financial tools for people who keep communities moving.

01
Seasonal production translated into dependable financial standing.

Smallholder Farmers

Farming income is seasonal. Farmers often face urgent financial needs around planting and harvest while lacking suitable financial products. Truemonie aims to help farmers build financial identity, manage savings and access appropriate financing.

02
Daily trade volume transformed into recognized financial leverage.

Market Women

Market women manage real businesses every day, often operating outside traditional financial systems. Truemonie helps turn their economic activity and financial behaviour into a stronger financial profile.

03
Working capital tailored to actual inventory and cash flow cycles.

MSMEs

Small businesses need working capital to buy inventory, manage cash flow and grow. Truemonie helps businesses build a financial track record and access responsible credit based on their capacity.

RESPONSIBLE CREDIT

We don’t just ask how much you want. We ask what you can responsibly carry.

Credit should help people grow, not trap them in cycles of debt. Truemonie assesses financial capacity using available economic and behavioural information to determine an appropriate level of credit.

PRINCIPLE 01

Start small

Build trust before increasing exposure. Credit begins conservatively to protect borrower cash flow.

PRINCIPLE 02

Understand deeply

Use more relevant evidence to understand financial capacity, looking at true operational velocity rather than arbitrary requirements.

PRINCIPLE 03

Grow together

Good financial behaviour can unlock greater opportunities over time as repayment history strengthens.

SAVINGS

Build the habit before you need the money.

Savings are more than a place to keep money. For underserved customers, consistent saving can become part of the financial identity they build over time.

Truemonie connects savings behaviour with a broader pathway toward financial access.

THE SAVINGS PATHWAY
SAVEDisciplined regular deposits
01
↓
BUILD HISTORYDocumented reserve patterns
02
↓
BUILD TRUSTDemonstrated financial reliability
03
↓
ACCESS OPPORTUNITYProportional credit access
04
FINANCIAL CAPACITY SIMULATOR

See how your daily trade translates into credit capacity.

Unlike traditional banks that demand fixed collateral, Truemonie models capacity directly on your real cash flow velocity and business rhythm.

Estimated Daily Market Sales:₦45,000
₦10,000 / day₦250,000+ / day
Zero Collateral Requirement

Repayments are calculated to never exceed safe cash flow thresholds, protecting household sustainability.

Projected Initial Facility
₦135,000 – ₦270,000
Recommended Daily/Weekly Savings₦3,600 / day
Repayment Cycle / Tenor14 to 30 days rolling
Financial Identity Milestone

3x limit increase after 3 consecutive successful repayment cycles

Qualify for this tier on the waitlist

Subject to consented alternative data verification upon regional launch.

WHY TRUEMONIE

We’re not building another loan app.

Traditional lenders often depend on collateral, formal income and established credit histories. Community lenders build trust through relationships. Truemonie combines the strengths of both approaches with technology and data.

“From financial exclusion to financial identity.”
MODEL

Traditional Lenders

How it operates:Depend strictly on formal salaries, land titles, and existing bank histories.
The outcome:Leaves millions of productive entrepreneurs completely invisible.
MODEL

Community Lenders

How it operates:Build trust through informal personal relationships and trade circles.
The outcome:Valuable, but localized and unable to scale formal credit capacity.
MODELOUR APPROACH

Truemonie

How it operates:Combines the trust of community activity with rigorous data and software.
The outcome:Builds a portable, durable financial identity that travels with the customer.
MEASURED IMPACT

Better financial access can create better economic outcomes.

Truemonie measures success not by loan volume, but by the tangible economic resilience of the households and communities we serve.

SDG 1

No Poverty

Creating durable pathways from informal cash subsistence to formal, recognized credit capacity.

SDG 2

Zero Hunger

Providing smallholder farmers with timely working capital around planting, fertilizer, and harvest seasons.

SDG 5

Gender Equality

Empowering female market traders who manage essential community commerce outside traditional banking.

SDG 8

Decent Work & Economic Growth

Equipping informal micro-enterprises with reliable capital to invest in inventory, trade stability, and hiring.

SDG 10

Reduced Inequalities

Eliminating the artificial divide between salaried corporate workers and productive informal entrepreneurs.

WHY WE STARTED

The problem became personal.

“I grew up with my grandfather, who is a farmer.”

I saw firsthand what happened after harvest. After months of hard work, he sometimes had to sell his produce quickly because he needed cash for household expenses and did not have adequate storage.

That experience made me think differently about financial inclusion.

The issue wasn’t that his work had no value. It was that the financial system did not adequately understand the reality of his income, his seasonality and his needs.

As a software engineer and data scientist, I began researching how technology and alternative data could help create a better financial picture for people like him.

That became the foundation for Truemonie.

VY
Victor Yunusa
Founder, Truemonie
OUR CODE OF CONDUCT

Built around responsible financial access.

01

Transparent terms

Customers should clearly understand what they owe before accepting a financial product. No hidden appraisal fees, unexpected commissions, or misleading terms.

02

Consent-based data

Customer data should be collected and used responsibly. Every alternative data signal is gathered strictly with verified consent and institutional-grade protection.

03

Appropriate credit

Credit decisions should consider repayment capacity, not just demand. We do not over-leverage borrowers with facilities that strain their household or enterprise cash flow.

04

Progressive access

Customers can build their financial identity through positive financial behaviour. Reliability and regular savings unlock progressively larger and lower-cost facilities.

THE FUTURE OF INCLUSION

A financial system that sees the work behind the numbers.

Truemonie is building a better pathway from economic activity to financial opportunity.

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