Millions of Bangladeshis already save and lend through ROSCAs — informal rotating savings circles built entirely on trust between neighbours. Drutoloan brings that practice online, giving members legal protection, a way to find peers beyond their own street, and something the informal system never produced: a formal credit record.
- Digital ROSCA as the entry product, not a loan
- AI underwriting built for customers with no credit file
- Savings behaviour unlocks BNPL and term credit over time
- Partner-led distribution rather than direct consumer acquisition
“Credit history is the real product. Everything else follows from it.”