Optasia
Optasia is a listed AI credit decisioning platform embedded inside mobile operator and wallet ecosystems across 38 countries in Africa, the Middle East and South Asia, working…
Overview
Optasia is a listed AI credit decisioning platform embedded inside mobile operator and wallet ecosystems across 38 countries in Africa, the Middle East and South Asia, working through 49 distribution partners and 13 banks. More than 200 machine learning models draw on thousands of alternative signals per user to make around 1.5 billion credit decisions a month at roughly 300 per second, supporting micro loans averaging about five dollars and airtime advances that traditional banks cannot profitably process. It does not lend from its own balance sheet: partner banks provide liquidity while Optasia underwrites the default risk and provides guarantees, letting distributors earn lending revenue without balance sheet exposure. Built specifically for data-scarce markets, it facilitated around six billion dollars of credit in a year, serves over 430 million annual active users, and listed on the Johannesburg exchange in November 2025.
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