Access granular data in emerging markets

Rewards Assigned

Media Features

Be "differently banked"

With Pocket Money Rewards you can earn small amount of money by completing simple tasks, such as voting in a Poll, and cumulate these rewards as your financial footprint.

We have set Levels for you to climb, so that when you earn your first USD 100 in Rewards, you can finally approach a licensed lender, even if you don't have a job or sufficient credit score.

The lender can choose to consider your USD 100 in Rewards as the safety net, in case you cannot repay your loan back.

Earn and Learn your way into financial inclusion

Rewards Earned

Gems Learned

Gamified access to credit in 10 levels

We are determined to make an impact in the financial inclusion, by giving everyone an opportunity to earn the ability to access credit.

At Pocket Money we care about long lasting results. We do not need to see a detailed business model for how you are planning to invest the money. We just want to make sure that you understand what is a loan, and most importantly, that you are able to pay it back.

The concept of Levels is to bring you from zero access to credit to over a thousand dollars in your pocket, even if you don't have a job, no back account, no credit score, no collateral and even if you are bankrupt.

Financial inclusion means that financial institutions such as Banks and Licensed Lenders, require you to fulfill strict criteria before you can even apply for a loan. But with Pocket Money, all you need to do, is to show that you have already earned enough Rewards to pay back for you in case of default.

Levels are structured from 1 to 10, according to $ Rewards needed, Gems needed, Minimum Loan and Maximum Loan.

Peace of mind for Licensed Lenders

Levels are put in place as an alternative way of scoring the credit ability of a potential Borrower. At Pocket Money we offer Rewards to users who complete tasks, such as voting in Polls and answering Surveys. Such tasks are often unrelated to borrowing and lending, but rather to generate commercial value for the time the User invests in completing the task.

The Rewards that the User earns cannot be spent in any way, except for serving as collateral in case the User defaults on a payment when taking up a loan. This is only applicable when User became a Borrower. For Users that do not take up a loan, Rewards cannot be cashed out.

As a Lender, you can trust that Pocket Money is the custodian of the Rewards associated to a specific User. Thus, when you decide to provide a micro loan to a Pocket Money Rewards User, we allocate aside the same amount of Rewards to match the principal of the loan.

Pocket Money Wallet mobile application
Download our beta version of Pocket Money Wallet to run your own multi currency personal forex bureau.
by completing micro-tasks
Earn Rewards
0.1% conversion fee
between users
Free transfer
  • Pocket Money Group

    For Investors, Financial Institutions and Partners

    Creating a new generation of differently banked communities

    By bridging the trust gap between financial framework and users with a brand new digital profiles, Pocket Money opens up opportunities for Licensed Lenders to build up a better performing loan portfolio, acquiring new clients globally and reducing the risk of default.

    Find out moreabout investment opportunities and partnership.

  • Pocket Money Technology

    For Advertisers, Government Bodies and Partners

    Access granular data in emerging markets

    Discover how Pocket Money allows marketers, government bodies and businesses to connect with communities of unbanked and underbanked, in Africa and Southeast Asia.

    Choose a segment of responders and ask for a quotation

  • Pocket Money Micro-Credit

    For Licensed Lender

    Acquire new clients globally and reduce the risk of default

    Take advantage of Pocket Money Index, that measures the social behaviour of potential borrowers by monitoring their earnings used as a form of collateral.

    Register as a Licensed Lender in your country.

  • Pocket Money Marketplace

    For end users aiming to borrow

    Build your financial footprint and gain access to credit

    Use Pocket Money Wallet to exchange currency, send and receive globally and earn micro-rewards. Use your earnings to back your present of future loans.

    Get started by downloading Pocket Money Wallet

  • Pocket Money Social Repayment

    For end users aiming to save

    Monetize your time with family and friends, for your financial future

    Answer questions, complete tasks and measure your perfomance in the Pocket Money Index. Learn about financial education while building your savings.

    Get started by downloading Pocket Money Wallet

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