Gluwa x Rubyx

Gluwa is teaming up with Rubyx to help grow the RWA Ecosystem.

Gluwa x Rubyx

Gluwa is teaming up with Rubyx to help grow the RWA Ecosystem.

Gluwa is committed to building a better future for finance based on the principles of democratization, transparency and impact — the cornerstones of the RWA Ecosystem. But, we can’t do it alone.

That’s why we’re excited to announce our latest partnership with Rubyx, a LaaS (lending-as-a-service) fintech helping businesses in emerging markets grow their digital loan portfolio through AI-powered risk assessment tools and an API-driven cloud platform providing end-to-end digital lending capabilities.

Founded in 2019, Rubyx was started to help transform the way informal entrepreneurs and small businesses gain access to capital-financing. In partnership with local financial institutions, Rubyx already scores over 1.6M active customers per day, deploying a range of innovative loan products for the unbanked and self-employed including nano-loans with flexible repayment conditions; its predictive risk models helping it achieve a credit default rate as low as 1.4%.

By embedding their technology with local operators and platforms such as Musoni, a fellow inclusive fintech 50 winner, Rubyx has scaled to over 12 countries, with a major focus on addressing the €70Bn MSME finance gap in West Africa. Thanks to its industry-leading solutions, Rubyx has even presented on the topic of AI in microfinance to the European Commission.

Rubyx works in over 12 countries including India, Nigeria, Kenya, Ghana and more.

Gluwa and Rubyx will work together to help provide businesses and small entrepreneurs in emerging markets access to the credit they need to grow and prosper, helping to drive financial inclusion.

Gluwa CEO, Tae Oh:

“By leveraging the power of machine learning, Rubyx’s cutting edge risk assessment tools are already helping dozens of major institutions improve access to credit across the globe. We’re incredibly excited to be partnering up with Rubyx on our shared mission to improve financial inclusion, and together, we can collaborate on new tools and services which deliver credit where it’s needed most.”

Rubyx CEO, Denis Moniotte:

“It is rare to find such a no brainer partnership. We both work for the same goal at completely different levels of the value chain, providing us with complementary business models. Gluwa will help give Rubyx a foot in DeFi and access to global capital to fund MSME’s credit gap in emerging markets.”

This latest partnership is part of our long-term vision to deliver on the promises of RWA. You can be a part of that mission too. Simply download the Gluwa App to start your Gluwa Invest journey today!

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We look forward to a long and fruitful partnership,



About Gluwa

Gluwa is an RWA platform, connecting capital from developed markets to emerging market lending opportunities using blockchain technology. By providing the decentralized infrastructure rails to raise and disburse capital anywhere in the world, investors can use the Gluwa Invest platform to partake in debt-financing deals with emerging market fintech lenders, earning up to 15% APY.