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About PayJoy
PayJoy is a mission‑first credit provider dedicated to helping under‑served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on‑ramp for new customers to enter the credit system. Through PayJoy’s point‑of‑sale financing and credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro‑entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting‑edge machine learning, data science, and anti‑fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
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