Stage of Innovation: Idea (You have thought it through and documented it)

Problem: Access to credit is a major challenge for small businesses and individuals in emerging markets.This businesses are muiltibanking and are also looking for multiple loans from this banks.Traditional lenders often require collateral of wich many of this business have single high valuable collateral which when its used by one bank the borrower cannot access another credit with it. This limits the availability of credit and restricts economic growth. Even when credit is available, it's often at a high interest rate, which can be unaffordable for borrowers. At the same time, lenders face high costs associated with underwriting and servicing loans, as well as the risk of defaults. Our platform solves this problem by providing a centralized marketplace for borrowers and lenders to connect, reducing the costs and risks associated with traditional lending, and increasing access to credit in emerging markets

Unique Selling Point: Current many finance services providers institutions keeps the whole collateral for themselves yet it can secure more loan with its value