About Hero

Since 2015, we've begun disrupting the current financial system that excludes 2 billion people from the banking system by leveraging technology to create a more inclusive system that allows people access to credit.

Collateralized Loans

We believe secured loans provide the starting point for uncollateralized loans. In 2015 we launched the first fully licensed online pawnshop in Southeast Asia that has already served thousands of customer. PawnHero essentially turns mobile phones into pawnshops.

Our interest rates are half of the traditional pawnshops providing access to cheaper credit that improves livelihoods.

Blockchain-Based Loans Without Collateral - Individuals

Most emerging markets lack centralized credit scoring.

Blockchain enables every person to have a unique and verifiable reputation-based identity that allows them to participate equally in the economy. By combining non-traditional data sources from social media profiles, previous work experience and transaction history with advanced machine learning techniques we expand our offering to provide access to unsecured loans.

Blockchain-Based Loans for SMEs & Communities

The strength of every nation’s economy is usually a direct reflection of the viability of the small and medium-sized enterprises (SMEs) sector. In most cases, especially developing countries, SMEs account for as much as 35-40% of the total GDP. The driver of the SME sector of the economy is its access to affordable funding schemes.

Initially we’ll start lending to individuals, but we’d then like to expand that to community lending and eventually SMEs.