White Hill Capital

Zypl.ai leverages generative artificial intelligence to enhance financial inclusion in emerging and frontier markets. Its software-as-a-service (SaaS) solution allows banks and microfinance institutions to underwrite loans accurately and instantly, even for individuals with limited or no credit history. By utilizing synthetically generated data and simulating extreme market conditions, zypl.ai's approach ensures stability and adaptability in volatile environments. The platform assesses various factors, including social and demographic information, device metadata, psychometrics, and macroeconomic indicators, to inform credit decisions. Customized AI models align with the risk appetite of each enterprise partner, and integration options are flexible, accommodating both cloud and on-premise deployments. Zypl.ai prioritizes compliance with regulatory standards by employing explainable AI models that provide transparency in decision-making. Since launching its beta, the company has secured ten enterprise clients across Central Asia, underwriting over $9 million in loans with a remarkably low portfolio-at-risk rate. With plans to expand into new markets in MENA, Southeast Asia, and Eastern Europe, zypl.ai is positioned for significant growth in the fintech sector.

Planet9 is a financial service company focused on providing innovative solutions for migrant workers and their families. It offers a specialized product called SNPL in the MENA region, which allows migrants to convert their remittance data into personalized loan options, thereby facilitating better management of their finances. In Central Asia, Planet9's RNPL product provides instant loans to families receiving remittances, overcoming obstacles typically faced with traditional banking systems. By leveraging AI-driven technology that integrates with existing financial platforms, the company aims to create tailored lending solutions that empower migrants and support their families, regardless of their location. Despite its commitment to delivering these financial tools, Planet9 is not a licensed fintech company.