We harness AI, open banking, and alternative data to create financial identities for 135 million Ethiopians — empowering individuals, enabling lenders, and building infrastructure for a new credit economy.
Ethiopia is at a financial inflection point. With 135 million citizens, GDP growth of 7.2% (IMF, 2025) — among the highest in Africa — and digital rails reaching tens of millions, the infrastructure to build a modern credit ecosystem has never been more achievable. Sheba Credit is the engine that makes it possible.
Ethiopia's first real-time AI credit score — built on alternative data from telecom, utilities, and mobile money. Available in 5 languages.
↗Savings-linked credit building. Regular deposits build a formal credit score — no loan required. Designed for first-time borrowers, youth, and women.
↗Credit profiling for Ethiopia's 70% farming workforce — using cooperative records, crop yields, and input purchase data to unlock agricultural lending.
↗Gamified financial literacy in 5 Ethiopian languages. Completing modules earns score boosts — building credit-ready citizens nationwide.
↗Ethiopia's first consent-based open banking platform. Individuals share data to unlock personalised financial products.
↗White-label credit data API for banks, MFIs, fintechs, and cooperatives. Real-time scores. $2/check, sub-500ms response.
Move the sliders to see how different data signals affect a person's Sheba Credit Score. Telebirr payments, savings habits, and education all contribute — no bank account needed.
Build your financial identity. Check your credit score, grow it through savings, and unlock access to affordable loans — in your language, on your phone.
Explore productsReduce NPLs, expand lending portfolios, and reach untapped markets. Integrate Sheba's credit data into your systems via our real-time API.
Institution servicesBack Ethiopia's financial infrastructure. $500K seed round open. Break-even Year 2. $5.2M cumulative profit by Year 5. First-mover in a $5B+ market.
Investor overviewSheba Credit is building the financial architecture for Ethiopia's next era of growth — inclusive, AI-powered, and aligned with Vision 2030.