
Vision & Mission
Sustainable Development Goal 10
SDG 10 is to “reduce inequality within and among countries”; ARYZE is building the tools to do so, creating a financial ecosystem that reduces international money transfer costs enough to allow 100% of remittance money to make it back to developing countries.
Financial Inclusion
Asian SME´s have countless issues getting a bank loan. This is a problem when they account for 99.6 % of the entire industry in Asia.
Adults Unbanked
31% of the world’s adult population remains unbanked. Without access to basic financial services, it is nearly impossible for that population to rise out of poverty.
Financial Inclusion

Conforming to the 2017 Global Findex data, 65% of women worldwide have a financial account, compared to 72% of men. Hereby, another relevant indicator is that over 70% of women-owned small and medium enterprises (SMEs) have inadequate or no access to financial services.
A survey performed by the Asian Development Bank Institute (ADBI), half of the Philippines’ population does not make enough money to be included in the financial system. SMEs, in general, have issues borrowing money in some parts of Asia, and there is an information asymmetry gap, which results in higher due diligence costs, perception of risks, and higher interest rates to SMEs.
The World Bank established a connection between reducing poverty and inequality with providing access to financial services. It is a huge problem that micro, small, and medium-sized businesses do not have access to financial services given that they account for 99.6% of this region’s industries, according to the ADBI surveys.
Frequently Asked Questions
Full Reserve Banking
ARYZE will become a bank, allowing it to set more flexible identification requirements while still meeting the KYC (Know Your Customer) requirements of national authorities. Our solution will benefit the battered woman suffering from domestic and financial abuse, as well as everyone around the world. Depending on the ID type, ARYZE will offer tiered financial services, to provide universal basic access whilst maintaining security. We will use locally placed governments, NGOs and businesses to ID and onboard as many people as possible into our base level offerings and will provide opportunities for customers to access higher-level services.
Through ARYZE, SMEs can facilitate the shift from in-store cash payments to digital payments, driving a lower carbon footprint of transactions and solving the information asymmetry gaps that make lending to SMEs difficult ($5 trillion financing gap a year today).
Addressing this opportunity can increase Gross Domestic Product (GDP) by between 9% and 14% in the Philippines economy.

Related material
The pursue of financial inclusion is a growing concern for central banks and other policymakers. Financial inclusion bestows financial stability and economic growth, showing a connection between financial integration and economic development as established by the World Bank.
In a virtual briefing on Thursday, BSP Governor Benjamin Diokno reported that the number of basic deposit accounts grew by 53 percent, while the e-money accounts grew by 30 percent during the period compared to the end of 2019.
Unfortunately, in Nigeria, Financial Inclusion is a serious challenge as Enhancing Financial Innovation & Access (EFInA), a financial sector development organization that promotes financial inclusion in Nigeria recently said that 60.1 million Nigerians are currently financially excluded.
Reserve Bank of India (RBI) Governor Shaktikanta Das on Wednesday said financial inclusion in the country is poised to grow exponentially with digital-savvy millennials joining the workforce, social media blurring the urban-rural divide and technology shaping the policy interventions.
Users can instantly send money with MAMA to other MAMA users worldwide with the same ease of sending an SMS.