Why Blipply loans are different
We use AI-powered transaction analysis to assess creditworthiness, no traditional credit score required.
Transaction-based scoring
Your Blipply transaction history is your credit application. The more you use the wallet, the better your score.
Fair reward rates
AI-powered risk assessment means better rates for good payers, not blanket rates that punish everyone.
Available in emerging markets
Designed for markets where traditional bank lending is inaccessible or unaffordable.
Fast approval
Automated underwriting means decisions in minutes, not weeks. Funds go directly to your Blipply wallet.
How your Blipply score unlocks credit
Every transaction you make builds your score automatically. The more you spend, sell, and save, the higher your tier and the more you can borrow.
Spend
Every purchase with your Blipply Visa card adds to your track record and signals active financial behaviour.
Sell
Merchant sales volume and consistency demonstrate stable income, a key factor in your loan eligibility.
Save
Maintaining a digital dollar balance over time shows financial discipline and lifts your tier faster.
Starter
New Blipply users. Access small starter loans as you begin building your track record.
Growth
Active wallet users with consistent activity. Higher limits and more favourable rates.
Pro
Power users and established merchants. Maximum loan amounts and the best available rates.