Our Approach

• Distribution Mechanism

  The Tata-Imali platform's iMali-ZAR-Stablecoin offers stability by pegging its value to the South African Rand (ZAR) and enables cost-effective transactions. Blockchain technology ensures transparency and accountability, allowing borrowers to trust and verify their financial transactions, while also providing efficient oversight for investors and regulatory bodies.

• Ecosystem for Value Exchange

  Our project establishes an ecosystem for value exchange by allowing users to cash out the iMali-ZAR-Stablecoin into mobile money, aligning with the growing mobile money usage trend. Users can easily access various services and merchants within the mobile money ecosystem, using it for everyday purchases or converting it into FIAT currency as needed.

• Regulatory Compliance and User Empowerment

  We prioritize regulatory compliance and user convenience through KYC processes, calibrated affordability assessments, and the creation of credit histories for users, promoting financial inclusion. Exploring machine learning models for credit scores reinforces transparency and fairness, empowering users to build credit histories.

• User-Centric Product Design

  Our user-centric product design simplifies interaction with our platform, making it user-friendly nd accessible. Integration of a WhatsApp chatbot reduces data costs and enhances accessibility, ensuring individuals with limited digital proficiency can comfortably engage with our platform.