Traders & gig workers
Market vendors, informal work — cash and MoMo flows, no payslip, real payment history.
Most Africans earn and pay outside the credit system.
Mobile money, bills, trusted borrowing — formal lenders still see a blank page.
0%
Informal employment, SSA
0%
Adults with mobile money
0%
Borrow from family, not banks
—
Sensitive data on our servers
ILO 2024 · World Bank Global Findex 2025 (2024 data)
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Curious? Let's talk! trevor@tathmfy.com
Who it's for
Who Tathmfy is for
If the bureau sees a blank page but you don't — you're in the right place.
Everyday earners
Mobile-money & rural earners
MoMo, airtime, bills, utilities — daily life with no bureau file, scored on your phone.
Building credit
First-time borrowers & young adults
Thin-file adults building a first score from real activity — not references.
MSMEs & women entrepreneurs
Side hustles and small businesses invisible to formal credit — reliable repayment, never recorded.
Diaspora & remittance earners
Send, receive, spend — borrowing capacity without a local bank history.
Lenders & partners
MFIs, banks, digital lenders & SACCOs
Confirm a borrower's score at tathmfy.com — without ever seeing their private transactions.
Native intelligence
On-device AI.
Not cloud surveillance.
Scored and explained on your phone — from the activity you log, not data we collect.
01 Log · MoMo, bills, airtime, income
02 Score · 300–850 on-device
03 Share · lenders verify, not your data
Log mobile money, bills, airtime, and income — AI turns your activity into a 300–850 score on your phone.
9:41
Score
↑ +48 pts
GOODUpdated today
6-month trend
JanJun
Score factors
Payment consistency88%
Mobile-money activity76%
Income stability62%
💡 Steady MoMo inflows drove most of your +48 pt gain this quarter.
Score + Insights
9:41●●●
Assistant
ON-DEVICE
How did the last 6 months shape my score?
You're up 612 → 712 in six months. Regular MoMo inflows and on-time bills you logged drove most of it — payment consistency is your top factor.
What should I focus on next?
Income stability. Log income 3 more weeks — about +22 pts by August.
Explain my factors
Improve my score
On-device Chat
For lenders
Verify a real score in seconds. No integration required.
Reach thin-file borrowers bureaus miss — without holding their transaction data.
Verify signed credentials at tathmfy.com in seconds.
Zimbabwe first — one link works across every market we launch.
VERIFIED
Credit identity
Cardholder
TATENDA MOYO
Rating
GOOD
Rec. limit
$3,500
TMF-694-A7X2
Tathmfy
Expansion
Zimbabwe first. Then the continent.
🇿🇼
Zimbabwe
🇿🇲
Zambia
Soon
🇧🇼
Botswana
Soon
🇳🇦
Namibia
Soon
🇷🇼
Rwanda
Soon