Trust infrastructure for emerging markets

Trust already exists. Kajco makes it count.

Merchants know which customers keep their word. Kajco turns that trust into fair, digital credit at the stores people already use.

Talk to Us →See the App

Customer home: next payment, quick actions, level and badges

Merchant home: Start Trustline Sale, customers paid or still owes

✓VerifiedBefore any credit

★Badges EarnedFor paying on time

↗Paid at the TillMost of each sale

FCCPC-Approved Federal Digital Lender
State Moneylender's Licence
NDPC and SCUML Registered
Registered in England and Wales

The idea

Same merchants. Same customers. Same trust. Now on record.

Capture

The trust a merchant already gives, recorded with the customer's consent.

Finance

Fair, digital credit for verified customers at the till.

Grow

Every repayment builds a record that unlocks more.

Trustline Credit · Our first product

Buy today. Pay over time. Unlock more.

Merchant-embedded purchase financing at the stores customers already trust.

More About Trustline →

Shop Where You Are Known
A store you trust introduces you.
Pay Part Today
Kajco and the merchant fund the rest.
Repay Kajco
No interest within the window.
Unlock More
Your record grows your limit.

For merchants

Sell more. Get paid upfront.

Earnings build over time, and you share in extension fees.

For customers

Your good name travels with you.

Move store or area, and your record comes too.

The Kajco Credit app

Kajco Credit. Simple at the till, built on trust.

01 · Sign-up Sign-up screen with identity checks done

FOR EVERY CUSTOMER

The filter at the door.

Every customer is verified before any credit is issued.

BVN-linked phone
Face scan
Bank and bureau checks

02 · Customer Customer home with next payment, Loan quick action, level and badges

FOR CUSTOMERS

Pay, level up, earn badges.

Customers repay Kajco directly and always see what they are working towards.

No interest in the window
Levels and badges
Loans for proven customers

03 · Merchant Merchant home with Start Trustline Sale and customer status

FOR MERCHANTS

Paid at the till. Status, never amounts.

One tap starts a sale. Merchants see who has paid or still owes, so they can remind them as they always have.

Most of each sale upfront
Earnings that build
Store score

Explore Kajco Credit →

App screens are illustrative designs.

Our products

One trust record. Credit that grows with it.

First product

Trustline Credit

Buy today at stores you trust. Pay part upfront and the rest over time.

More About Trustline →

Personal Loans

For customers who prove themselves on Trustline.

Yalo
•••• TRUST

Later

Yalo Card

Revolving credit for proven customers, across more than one store.

Kajco.io

Lending at scale, built on trust.

Trustline is the first application. Its records become a trust layer other lenders can plug into.

LendPartners extend credit to proven people.

UnderstandBehaviour and real repayment history.

VerifyIdentity, bank and bureau checks.

Why Kajco

Built from inside the markets we serve.

Licensed

Listed with full approval on the FCCPC register of digital lenders.

FCCPCMoneylenderNDPCSCUMLTrademarks

Owned Technology

Kajco Finance Ltd (UK) owns the platform and its intellectual property.

From the Market

Designed around how Nigerians already trade, borrow and repay.

Founder

“Merchants already know who pays. Kajco gives that knowledge a digital record, so people who keep their word can access fair credit.”

Valentine Onyenobi, CMgr MCMIFounder and Director

Let's build trusted credit together.

Tell us about your interest and we will send our company brief.

Kajco Finance[email protected]Kajco Credit (Nigeria)[email protected]