How Aloi and Musoni Are Uplifting the Informal Economy
At Aloi, our mission has always been clear: to make finance work for those who power the informal economy but are often left outside the formal financial system. Across emerging markets, millions of informal entrepreneurs from street vendors to smallholder farmers generate enormous economic value yet remain invisible to traditional finance due to lack of collateral, formal records, or credit histories.
For institutions looking to address these challenges, Aloi’s technology is available through a flexible software licensing model that can be adapted to your own financial programs.
This is where innovation, purpose, and the right partnerships matter.
We are excited to partner with Musoni, a global leader in core banking systems for microfinance institutions, to jointly unlock the potential of the informal economy estimated at over $10 trillion annually.
Why This Partnership Makes Sense
For years, Aloi has been transforming capital flows to informal sector entrepreneurs by enabling digitally monitored, cashless, and transparent financing. Our closed-loop token system ensures that every loan is traceable, purpose-driven, and measurable, making lending safer and more sustainable for financial institutions.
This same token-based system can be licensed, customized, and integrated into any institution’s existing operations, delivering solutions.
As Sander van Heijden, CEO of Musoni System, notes:
“Aloi’s innovative approach to digitally monitored financing perfectly complements Musoni’s commitment to financial inclusion. Their cashless, transparent lending system addresses one of the key challenges financial institutions face how to serve informal clients without traditional collateral or credit histories, while keeping costs and risks manageable.”
Solving a Global Challenge
Informal entrepreneurs generate enormous economic value, yet financial institutions struggle to serve them due to high monitoring costs often up to 25% of the loan value.
Aloi addresses this challenge directly. Our technology has enabled over USD 1 million in loans across 28 financial institutions, reducing monitoring costs while improving transparency. Scaling this impact globally is made possible through robust banking infrastructure where Musoni plays a critical role.
Through licensing Aloi’s platform, institutions can adopt this proven approach without building new systems from scratch.
The goal of Aloi and Musoni partnership
Through integration with Musoni’s proven core banking system, Aloi’s partner institutions benefit from:
- Proven scalability – Serving over 2 million clients across 30+ countries in Asia, Europe, Africa, and Latin America
- Comprehensive core banking functionality – Covering client management, loans, savings, and accounting
- Digital Field Application (DFA) – Android-based, online and offline, fully synced with the core banking system
- API-ready architecture – Seamlessly integrating with Aloi’s monitoring tools and third-party platforms
Why Aloi for Measurable Impact?
For microfinance institutions using the combined Aloi–Musoni solution, the results are transformative:
- Up to 85% reduction in monitoring costs
- 40% improvement in repayment rates
- 3× faster loan processing
As Tiffany Tong, Co-Founder and CEO of Aloi, shares:
“Our partnership with Musoni allows us to scale our impact across Asia, Africa, and beyond. Musoni’s deep understanding of microfinance operations, combined with Aloi’s technology, creates a powerful platform for responsible and inclusive lending.”
Beyond Finance: Purpose-Driven Impact
This partnership goes beyond credit. Aloi’s conditional tokens platform enables for-purpose digital wallets that can be dedicated to essential needs such as healthcare, education, clean water, and climate action.
For example, community-generated carbon credits can be converted into verified revenue streams and channeled directly into local priorities ensuring value remains within the community and strengthens local resilience.
Through this collaboration, financial institutions can access:
- Diversified funding sources beyond deposits and grants
- Measurable climate and ESG impact to attract mission-aligned investors
- Stronger community trust through transparent, peer-monitored programs
- Higher margins on climate-linked and impact-focused financial products
Build Inclusive Economies, Together
Our collaboration with Musoni reflects what’s possible when the right technology meets the right partners. If your organization is working to create inclusive, transparent, and resilient systems, you can license Aloi’s platform and customize it to build solutions that fit your organization’s purpose.
Contact Us
Aloi
📧 hello@aloi.global
🌐 www.aloi.global
Musoni
📧 hello@musonisystem.com























