NUMMORA is like Uber but for loans: we connect lenders with people who need money using blockchain. Lenders deposit stablecoins and can generate more than 12% annually, easily surpassing what a CDT gives, while borrowers access credit without bureaucracy with limits that vary according to their debt capacity at the time of registration, starting from $50K COP. They only pay for "leverage" to avoid usury regulations and build a credit history that improves over time. The magic is in eliminating traditional banking intermediaries: money goes directly from lender to borrower via smart contracts on CELO blockchain, with automatic custody and total transparency. The potential market is massive because there are millions of people who borrow money from both banks and informal lenders who charge up to 30% monthly. With our solution we generate profits for lenders, while debtors pay more comfortably by having less money to pay for. We will operate locally first, but our vision is to create the first truly global and decentralized financial infrastructure, where your credit history follows you to any country and capital flows without borders to where it's needed most.

Democratize access to credit by eliminating traditional banking intermediaries through a decentralized P2P platform. We directly connect lenders seeking returns above 12% annually with borrowers who need immediate access to capital without bureaucracy. We use blockchain to create a transparent, efficient and globally scalable financial ecosystem where lenders earn more, borrowers pay less, and both build a more inclusive financial future. Our mission is to transform how capital flows, eliminating geographical and bureaucratic barriers to create the first truly decentralized financial infrastructure that benefits all parties in the ecosystem.

NUMMORA solves three main problems:

For borrowers: Millions cannot access bank credit due to bureaucracy or pay up to 30% monthly to informal lenders, without being able to build credit history.

For lenders: CDTs give less than 12% annually and there are few safe investment options with better returns.
Systemic: Banking intermediaries keep a large part of the profits, make credit more expensive and exclude those who need it most.

We eliminate these intermediaries by directly connecting both sides: lenders can earn more than 12% annually and borrowers pay less with immediate access and without bureaucracy.

Our solution is a decentralized P2P platform using blockchain that:

Directly connects lenders with borrowers eliminating traditional banking intermediaries.
For lenders: They deposit stablecoins and can earn more than 12% annually with total transparency and automatic diversification via smart contracts.

For borrowers: Immediate access to credit without bureaucracy, with limits based on debt capacity, paying only for "leverage" and building portable credit history.

Blockchain technology: Smart contracts on CELO handle automatic custody, eliminate costly intermediaries and guarantee total transparency in every transaction.

Result: A more efficient financial ecosystem where lenders earn more, borrowers pay less, and both have access to a transparent system without bureaucratic barriers.

P2P Platform: lenders deposit stablecoins and can earn more than 12% annually, borrowers pay "leverage costs". We generate revenue from the spread between both sides, automated via smart contracts to maximize efficiency and minimize operational costs.

Want to grow through just grant funding

Colombia initially, expanding to Latin America and subsequently global.