This is a part of environ's service design which focuses on providing microfinancing to the farmers using blockchain technology. The whole service is provided either through phone calls, WhatsApp or an app based on the accessibility of the user group. Process of KYC, transferring money and recording the credit score is stored decentrally across different servers within environ network. We can eliminate middlemen as well as loan sharks by implementing the service efficiently. 

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We provide accessible financial service in the form of a microcredit system by creating the same money lending system practiced by farmers on a blockchain network. We build mutual trust between the lenders and borrowers by smart contracts building a decentralized community.

The KPI score of lenders and the credit score of borrowers will be linked to their respective decentralized universal ID. This creates a financial system that is self-regulatory hence removing middlemen charges.