Jia

What Jia does

Jia is a blockchain-based fintech company that provides working-capital and supply-chain financing to micro and small businesses in emerging markets. Co-founded in 2022-2023 by Zach Marks (CEO) and Cheng Cheng (CPO), both former Tala veterans with a decade of microfinance experience, Jia is incorporated in Delaware (Jia Co.) and operates its regulated financing subsidiary, Jia Financing, Inc., under the Philippines Securities and Exchange Commission. Its core product, Jia Advance, advances up to 90% of invoice face value in under 24 hours (often 30 minutes) at fees of 1-5%, with payment terms ranging from one day to six months. Jia Supply Chain Finance extends this to buyer-supplier networks, allowing buyers to pay suppliers early while extending their own repayment terms.

The underlying technology combines blockchain infrastructure — on-chain credit history, on-chain liquidity pools, and the native JIA token — with AI-driven underwriting. The AI underwriting layer, fed by partner-supplied merchant data (monthly revenue, expenses, purchase history, local market trends), produces credit decisions that Jia claims result in a sub-1% loan loss rate versus a 10-15% industry standard. The company has financed 15,000+ invoices to date with $1M+ in monthly originations growing at roughly 10% MoM. On-time borrowers accumulate portable on-chain credit reputation and earn JIA tokens, which unlock governance participation and credit benefits such as lower interest rates and larger loan amounts.

Jia earns revenue primarily through transaction-based fees on invoice financing (1-5%) and on supply chain finance spreads. The go-to-market is hybrid: direct field sales to SMEs in the Philippines, a self-serve online onboarding dashboard at dashboard.jia.ph, and channel partnerships where buyer enterprises enroll their supplier networks. Named customers include African Originals (Kenya-based beverage manufacturer reporting ~200% growth using Jia) and SariSuki (Philippines-based community commerce platform). The company has raised $7.3M cumulatively across two seed rounds (May 2023 led by TCG Crypto; May 2026 led by Coinbase Ventures) and is actively transitioning from a pure invoice financier to a broader 'financial operating system' that bundles working capital, business banking, cash flow intelligence, inventory financing, and platform financing.

Name

Jia

Legal name

Jia Co.

Website

https://jia.xyz

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Jia is a blockchain-based fintech that provides invoice financing, supply chain finance, and working capital to micro and small businesses in emerging markets, primarily the Philippines and Kenya, using AI-driven underwriting and on-chain credit infrastructure.

Ownership category

akta.pro rank

Product category

SME Lending and Working Capital

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Private Credit & Loan Tokenization Platforms (FSADAEAD)

akta.pro secondary industries

Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE), Crypto-Backed Business / SME Loans (Secured) (FSADAFAH)

Keywords

• Invoice financing
• Supply chain finance
• SME working capital
• Blockchain lending
• Emerging market credit

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Invoice financing fees (Jia Advance): Jia earns fees of 1-5% on invoice financing advanced to SMEs, providing working capital against receivables with payment plans from 1 day to 6 months. Primary revenue stream, generating $1M+ in monthly originations.
2. Supply chain finance program (Supplier Financing): Jia pays suppliers early on behalf of buyer partners; buyers repay Jia on the original invoice maturity date. Generates spread/fees on the early payment, with 100% supplier retention rate cited.
3. Interest from on-chain lending pool: JIA token holders and lenders deposit capital into on-chain lending pools; borrowers pay interest which is distributed to lenders and to sponsors who provide collateral.
4. Platform Financing / B2B2X partnerships: Jia powers financing for merchants, distributors, and suppliers within larger partner platforms, generating transaction-based revenue from buyer network integrations.

Pricing tiers

Go-to-market motion4 records

Distribution channels3 records

Marketing channels7 records

Core offering

Jia provides blockchain-based financing to small and medium-sized businesses in emerging markets. It advances up to 90% of invoice face value within 24 hours (often in as little as 30 minutes) at fees between 1–5%, and offers supply chain finance that pays suppliers early while buyers repay at maturity. The platform also includes business banking, cash flow visibility, inventory financing, and platform financing for buyer networks, with on-chain credit history and JIA token rewards for borrowers.

Product overview

Jia operates a single unified platform — a blockchain-based 'financial operating system' for small and medium-sized businesses in emerging markets — composed of multiple named products and modules. The core offerings are Jia Advance (invoice financing / receivables financing) and Jia Supply Chain Finance (also branded as Supply Chain Resilience), which together accelerate cash flow for SMEs, their suppliers, and their customers. Layered on top are complementary modules including Business Banking, Cash Flow Intelligence, Inventory Financing, and Platform Financing, which together provide working capital, treasury, and cash flow visibility in a single system. Borrowers are rewarded with the JIA token for on-time repayment, which builds on-chain credit history and unlocks governance and credit benefits.

Differentiator

Problem solved

Functional benefit

Brands

• Jia Advance: Receivable financing solution that helps businesses unlock the value of their outstanding invoices before payment is received; advances up to 90% of face value at fees between 2-5% with payment plans from 7 days to 6 months.
• Jia Supply Chain Finance

Products and services

• Jia Advance (Invoice Factoring) Invoice financing product that turns unpaid invoices into cash, advancing up to 90% of invoice face value in under 24 hours (often 30 minutes) at fees of 2–5%, with payment plans from 1 day to 6 months. Built for SMEs that need working capital against receivables.
• Jia Supply Chain Finance Supply chain financing program that lets buyers offer suppliers early payment on invoices. Jia disburses funds to suppliers directly while the buyer repays Jia at invoice maturity, strengthening supplier networks at pricing between 1–5%.
• Inventory Financing Working capital product that frees up capital so businesses can stay stocked; presented as a way to accelerate cash flow for businesses, suppliers, and customers.
• Platform Financing B2B2X product that powers merchants with capital to accelerate both platform and merchant growth, used to finance merchants, distributors, and suppliers within larger partner platforms.
• Jia Business Banking A no-fee business account that lets users hold, move, and grow their money, with balances earning yield so capital is ready when needed; presented as part of Jia's broader financial operating system.

Quantifiable outcome

• 15,000+ invoices financed to date
• +5 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature6 records

Scale indicators10 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Tala: Emerging-markets digital lender serving underbanked consumers and SMEs with mobile-based credit; most directly comparable to Jia given the shared founder lineage (both co-founders are Tala veterans) and overlapping customer base in Philippines, Mexico, Kenya, and India.
• Branch International: Provides working capital, invoice factoring, and business banking to small businesses in emerging markets (Kenya, Nigeria, India, Mexico); competes head-to-head with Jia's invoice financing and supply chain products in overlapping geographies.
• Pezesha: Africa-focused digital lending marketplace providing working capital and invoice financing to SMEs; highly comparable to Jia's Kenya and West Africa operations and the African Originals-style customer profile.
• Kopo Kopo: East African fintech offering working capital loans and supply chain finance to SMEs via mobile and partner integrations; directly comparable to Jia's planned Kenya supply chain finance and platform financing offerings.
• Goldfinch: Decentralized credit protocol that lends to real-world businesses using on-chain infrastructure and portable borrower reputation; the closest Web3 analog to Jia's on-chain credit history and JIA token model.
• Credix: On-chain private credit marketplace connecting institutional capital to emerging-market lenders via tokenized credit pools; comparable on the RWA tokenization and investor-yield mechanics that Jia markets to its 'Invest with Jia' audience.

Regional players

• Lulalend: South Africa-based online lender providing working capital loans to SMEs; comparable in product (invoice-based working capital) and target segment, but operates in a different African geography from Jia's Kenya and West Africa footprint.

Broad incumbents

• Fundbox: Established US-based invoice financing and working capital platform for SMBs; comparable product mechanics (invoice advances, AI underwriting, dashboard-based onboarding) but operates primarily in developed markets rather than Jia's emerging-markets focus.

Emerging players

• Parafin: Embedded finance platform providing working capital and capital-embedded products to small businesses via software partners; comparable to Jia's Platform Financing / B2B2X model of distributing capital through anchor buyer or platform integrations.
• Maple Finance: Institutional on-chain credit marketplace connecting lenders and borrowers with undercollateralized loans; comparable to Jia's on-chain lending pool, sponsor/collateral model, and DeFi-native capital intermediation approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/jia_DeFi
• Facebookfacebook.com/jia.xyz
• LinkedInlinkedin.com/company/jiaxyz
• Instagraminstagram.com/jia_defi

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds6 records

Investors18 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jia