Through our integration with Vodacom M-Pesa platform, Xodus is now delivering short-term, real-time credit directly into mobile wallets communities across Tanzania.
Our model combines:
• Automated underwriting
• Daily loan cycles
• High-frequency capital recycling
• Embedded collections infrastructure
• Regulatory oversight by the Bank of Tanzania.
This infrastructure transforms mobile connectivity into scalable financial access.
Expanding Access and Impact at the Last Mile.
Women Entrepreneurs
“A $3 loan helped me restock my stall and support my family.”
70% of our borrowers are women — using short-term capital to run businesses, care for families, and gain financial independence.
Youth
“I got my first loan through my phone. Now I earn every day.”
From boda-boda drivers to digital freelancers, 50% of our customers are under 30, using credit to launch side hustles and support education.
Farmers & Rural Traders
“The loan came before the rains. I bought fertilizer and doubled my yield.”
Smallholder farmers and rural merchants rely on our mobile loans for inputs, tools, and market access.
Mobile Money Agents & Micro-Retailers
“Cashflow is everything. Xodus loans help us serve more customers.”
Tanzania’s informal economy runs on liquidity. We support the agents and vendors who keep money moving in every village and town.
Investing Without Boundaries
Africa Is the Future — And the Future Is Young, Mobile, and Underserved
70% of the population is under 35
Over 400 million youth will enter the workforce in the next 15 years
Mobile penetration exceeds 100% in markets like Tanzania
Formal banking penetration remains below 20% in most regions
This is a continent of untapped energy, entrepreneurial spirit, and digital connectivity — but without access to capital.
At Xodus, we see this not as a gap — but as a generational investment opportunity. We’re building the infrastructure to deliver short-term, high-frequency capital directly to the people driving Africa’s economic future.
The opportunity is massive. The infrastructure is ready. The time is now.
What Sets Us Apart?
We utilize advanced AI and machine learning algorithms to assess creditworthiness, enabling us to serve individuals without traditional financial histories.
Our decisions are backed by comprehensive data analytics, allowing us to tailor our services to meet the specific needs of our clients effectively.
We empower underserved communities with access to fast, reliable capital — fueling entrepreneurship, strengthening livelihoods, and building local economies from the ground up.