PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being.Founded in 2015, today PayJoy has reached over 10 million of customers in emerging markets around the globe, including Mexico, Brazil, Colombia, Ecuador, Panama, Peru, and South Africa, and is solidly profitable and growing.