HomeFor banks and microfinance
For banks and microfinance
Lend to small firms with verified cash flow.
From payment records, with the borrower's consent, under your brand.
The problem
With no cash-flow data on small firms, lending is costly and risky. Informal firms rarely have records a credit officer can trust.
- 1.3 billionadults without an account; 54% of them unemployed or outside the labour forceWorld Bank Global Findex 2025
What you get
- Verified cash flow for every small firm that consents.
- Lower cost and risk in small-firm lending.
- New customers who have never had a record a bank could use.
- Growth in businesses that create jobs.
What you report
- Firms with verified cash flow.
- Loans made and repaid.
- Jobs in borrower firms.
- Results by gender, age and region.
How you buy
What the demo opens on
A lender view for a fictional bank, with fictional firms and payments.
Questions banks ask
What results can we see today?
CivicGrid 1.0 is built to production standard and ready to license. Each licensee's results are measured from its own payment records and published only once measured. The research on our Evidence page is published research, not a CivicGrid result.
Who holds the money?
Only licensed payment providers, under the licensee's own accounts. Neither Sceamdo nor the platform ever holds anyone's money.
Who owns the data?
The licensee, as data controller. Sceamdo is a processor only when it hosts the licensee's copy.
Is there any capital cost?
No. You license the system. Nothing needs to be bought or built: no vehicles, buildings or equipment.
Can it run in our own cloud?
Yes. CivicGrid Sovereign runs in your own cloud, so personal data stays in your country.
What does it cost?
A setup fee and an annual licence, plus hosting paid in advance if Sceamdo hosts it. Some licences add optional revenue share or results fees. Prices are shared with verified institutions after the demo.
See CivicGrid working
The demo is open only to verified institutions. Apply with your work email and your institution's documents. A person at Sceamdo checks every application.