PayJoy is a financial service provider committed to empowering underserved customers in emerging markets to gain financial stability and success. Utilizing patented technology, PayJoy transforms smartphones into digital collateral, enabling them to offer affordable credit options. The company employs advanced machine learning and anti-fraud technologies to qualify a broad range of customers while maintaining competitive pricing. As of 2024, PayJoy has extended billions of dollars in credit to over 12 million clients, achieving substantial growth while ensuring long-term profitability. With a mission-driven culture, PayJoy values ownership, transparency, and collaboration, fostering an inclusive work environment for diverse talent.