NanoLoan is a blockchain-based platform on Celo that enables local merchants to provide affordable store credit to unbanked customers. Our unique merchant-centric model replaces predatory lending (with 20-50% interest rates) by creating verifiable digital credit histories for customers who lack access to traditional banking. The platform uses Celo's Self protocol for identity verification and cUSD stablecoins for transactions, allowing merchants to safely extend small-dollar credit ($10-50) while customers build portable financial identities through everyday purchases. Starting in the Philippines before expanding to other emerging markets, NanoLoan bridges the gap between informal store credit and formal financial inclusion.