Jia.xyzGoDaddy customer – (United States)

The .xyz community is home to financial services and developers launching innovative decentralized finance (DeFi) platforms and cryptocurrency solutions. Tech startup is developing a decentralized communication protocol and a crypto-native app for crypto communities, creators, and DAOs. Fintech company is dedicated to elevating digital engagement and loyalty. Crypto-focused company is aimed at helping investors diversify their portfolios. In this week’s #BlockchainThursday, we’ll introduce you to a fintech platform aimed at financial inclusion in emerging markets:

Meet Striving to empower entrepreneurs in emerging markets with blockchain innovation is the online home of Jia, a fintech platform that aims to provide accessible and rewarding financing solutions to micro-, small-, and medium-sized enterprises (MSMEs) in emerging markets. By leveraging blockchain technology, Jia seeks to help entrepreneurs grow their businesses and create wealth within their communities. As reported in May 2023, Jia secured $4.3 million in equity funding, along with an additional $1 million committed for on-chain liquidity through a partnership with Huma Finance, a decentralized finance protocol. The funding round, led by early-stage consumer crypto fund TCG Crypto, included participation from investment firms like BlockTower Capital and Hashed Emergent.1

Helping small businesses in developing countries

In some developing countries, small businesses can face a difficult time acquiring affordable loans from banks. Sometimes they resort to borrowing from local lenders who may charge high interest rates. Although mobile lending apps have made it easier to get loans, they may only offer small amounts of money. This leaves a big gap because many small businesses need larger loans to grow and buy supplies. Jia aims to fill this gap by providing bigger loans that help small businesses expand and buy what they need.

Jia implements advanced technology to assess borrowers and provide funds through global investor-backed pools. When borrowers repay their loans, they receive token rewards that give them a share in Jia’s long-term growth. Local partners who co-sign for borrowers can also receive token rewards and yields. These token incentives can include: 

  • Reduced interest rates
  • Longer repayment periods
  • Flexible credit terms
  • Access to the web3 economy

The fintech platform is designed to support entrepreneurs across a variety of industries such as healthcare, education, retail, and restaurants. Through strategic partnerships, Jia offers business owners access to affordable financing that can drive their growth and safeguard their profits. By showcasing the potential of blockchain technology, Jia contributes to advancing financial inclusion and creating substantial economic opportunities.

Meet the visionary team behind

Jia’s founding team comprises Zach Marks, Cheng Cheng, Ivan Orone, and Yuting Wang. This team previously worked together at fintech startup Tala, a company that experienced significant growth in its user base. At Tala, they recognized the need to transform the borrower-lender relationship by providing borrowers with ownership and compensation for their value creation. 

As shared on the About page, Zach and Cheng started Jia to create a system “where all parties, borrowers and lenders, are rewarded for the value that they provide.” Utilizing blockchain technology, Jia has developed an innovative fintech system, drawing inspiration from community finance groups where borrowers become owners.

We are inspired by Jia’s efforts to combine financial innovation with community development by helping investors invest in real-world businesses and earn competitive returns, while also helping small business owners build sustainable wealth. You can learn more by following the company on Twitter, LinkedIn, and Facebook, and by visiting


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