Fig connects Africa's clean energy economy to its digital economy.
We enable platforms where over 20 million Africans earn to embed clean energy financing — underwritten by PesaScore, repaid automatically from platform payouts.
Live in Nigeria & Kenya.
// Platform payout webhook received
POST /v1/repayments/collect
user_id: "platform_usr_4821"
payout_amount: ₦18,400
deduction: ₦4,600
net_to_user: ₦13,800
200 OK — Repayment collected
pesascore: 742 ↑ +12
status: "on_track"
About Fig
Credit infrastructure for platforms.
Built for how Africa actually earns.
Over 20 million Africans earn income through digital platforms — gig work, creator sales, delivery, e-commerce. They are creditworthy by behavior, invisible to bureaus. Fig's underwriting engine, PesaScore, reads their platform earnings directly. Repayments deduct automatically from payouts. No consumer app. No bureau query. No friction for the platform.
How It Works
Embedded. Automated.
No standalone app.
Platforms where people earn in Nigeria and Kenya can embed solar financing directly into their product. Fig handles underwriting via PesaScore and collects repayments automatically from platform payouts — regulated through our Microfinance Bank (Nigeria) and SACCO (Kenya) lending partners.
PesaScore underwrites in seconds
Our behavioral credit engine reads earnings consistency, transaction frequency, and payout regularity directly from partner platform data — no credit bureau required. A decision in under 3 seconds.
Solar asset, zero upfront cost
Approved users receive a productive solar system — panels, battery, inverter — financed entirely through the platform. No cash deposit. No paperwork. The platform remains the only touchpoint.
Repayments deduct from payouts automatically
When a user earns on the platform, a pre-agreed portion of their payout is automatically collected by Fig before it reaches their wallet. The platform's payout API handles everything — aligned with how earners actually earn.
Boost Revenue And Retention.
Results You Can Rely On.
Reduce churn
Users stick to platforms that actively improve their livelihoods.
Drive loyalty
Create strong platform lock-in by providing essential productive assets.
Battle-tested APIs
Enterprise-grade infrastructure built to handle millions of transactions.
Simple API
Go live in days with our developer-friendly documentation and support.
Frequently asked questions
Everything you need to know about embedding Fig into your platform.