We leverage cutting-edge AI technology and Web3 tools to deliver smarter, more accessible, and highly efficient financial solutions to emerging markets across Asia, Africa, and Latin America.
Traditional finance fails to effectively reach billions of creditworthy individuals. Valoria is committed to closing this gap by reimagining the credit assessment system, delivering essential financial services to overlooked populations with massive growth potential.
Valoria integrates mobile technology and proprietary Alternative Data. We blend AI-driven precision risk management with the integrity of blockchain. Our platform achieves credit decisions in seconds and fund disbursements in minutes, enabling credit access for the previously excluded and allowing them to build a verifiable digital credit history.
Valoria's founding team has accumulated the experience of disbursing over $2 billion in cumulative credit to more than 12 million customers across three continents. This data-backed track record proves that our model for scaling financial services is both highly sustainable and feasible.