HARAKA
2024-2026
financial inclusion
emerging markets
THE HARAKA STORY
2024-2026
2024-2026
2024-2026
2024-2026
2024-2026
2024-2026
2024-2026
2024-2026
A Tribute
A story of belief, intention, and execution.
A celebration of great work, & even greater people.
the haraka story
CHAPTER 01
Ours was simple.
Finanical inclusion should belong to everyone
CHAPTER 01
CHAPTER 01
But it didn't.
1.3
BILLION
ADULTS LIVE OUTSIDE THE FORMAL FINANCIAL SYSTEM.(World Bank Findex 2025)
57%
of Africans don't have a bank account
1 IN 5
81% account ownership — 1 in 5 still excluded (GHANA)
90%
account ownership — but mobile, informal barriers remain (KENYA)
37%
of Nigerian adults are unbanked (~49 million people)
The technology existed
THE ACCESS DIDN'T.
CHAPTER 02
b
pioneered by
CHAPTER 02
CO-FOUNDER & CEO
Will
A leader who turned a belief into a company. He didn't just build Haraka — he articulated its soul.
"Making finance accessible from Wall Street to every street"
&
Will
CO-FOUNDER & COO
Jessica
Haraka's backbone and real life superwoman. From operations, to product, to customer success…she made it work excellently.
"Yep, we can do it guys. Everything is achievable."
Jessica
Haraka set out to make financial systems feel
less exclusive, less complex,
and more human.
CHAPTER 03
OUR solution
bondy
b
CHAPTER 03
Bondy was our main project for achieving financial inclusion in emerging market.
Built on a web3 infrastructure, designed like a web2 experience.
b
the impact & scale
"
I’m not into complicated finance apps. Bondy is simple and I like it. I log in, see my money working for me, that’s it. Everything just makes sense.
Wambiri O.
NAIROBI, KENYA
ENTREPRENEUR
KENYA
10K+
USERS
"
I love Bondy! I’m not doing anything extra, but the amount keeps increasing a little every day. It just feels better than seeing the same number all the time.
Kofi D.
GHANA
ENTREPRENEUR
GHANA
PILOT
COMPLETED
"
I used to keep checking the dollar rate all the time. It was stressful honestly. Now I don’t really think about it. Bondy just tells me when to swap. Way easier.
Victor
LAGOS, PILOT
FREELANCER
NIGERIA
LAUNCHED
MVP
OTHER PROJECTS
IN PARTNERSHIP WITH
GRAMEEN
In Ghana, we partnered with Grameen Foundation to pilot reputation-based lending for women-led village savings groups — using social reputation and local stablecoin rails to move money where banks won't go.
IN PARTNERSHIP WITH
GATES FOUNDATION
In Kenya, we're working with the Gates Foundation to build credit scoring that doesn't require traditional collateral — using peer vouching, past transactions, and alternative data to unlock microloans for last-mile entrepreneurs who've always been creditworthy but never had a way to prove it.
CHAPTER 04
meet the
drivers
CHAPTER 04
CO-FOUNDER & CTO
Dawson
A systems-driven builder. Dawson owned the technical infrastructure and made it seamless for the team and end users.
"My purpose is to program and lead socially impactful teams."
Dawson
FOUNDING DESIGNER
Ima
Haraka's resident designer. A product-designer who came in and owned everything design — product, brand, social media marketing, website development. A one-woman powerhouse.
"Everything is figureout-able."
FULLSTACK ENGINEER
Michael
A full-stack engineer versed in lean start up processes. Keen on details and solution-driven.
"Ever positive, collaborative and inquisitive"
FINANCE LEAD
Edwin
An excellence driven finance lead. A force in the finance books.
"No delayed payments thanks to Edwin!"
CELEBRATING EVERYONE
To the OGs who were a core part of this story at some point.
CHAPTER 04
the work
&
&
CHAPTER 04
TO OUR PARTNERS, ADVISERS, INVESTORS & EVERYONE WHO SUPPORTED US ON THIS JOURNEY
Thank YOU!
CHAPTER 5
OUR STORY ENDS HERE.
The belief lives on
"Financial inclusion should belong to everyone"
CHAPTER 02
b
WRITTEN, DESIGNED & DEVELOPED BY IMA 🫶🏽