PayJoy is a mission-driven, mission-first company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founded in 2015, PayJoy’s “secret sauce” technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system. We reached profitability in 2019 and are growing rapidly, reaching over a billion dollars of sales in 2022 from millions of happy customers.