Delivering accessible financial services to the next billion

Learn why it's needed

Our mission.

Growr is creating a world of equal opportunity for everyone and guiding people in achieving more in life.

Today, a third of world's adult population does not have an account. In some countries in the developing world, financial exclusion is as high as 90%. We believe that every single person — no matter their walk of life — has the right to use basic financial services. The ability to pay and get paid, to save for their short- and long-term goals, finance their business endeavors and important projects in life, and protect their family against life's surprises can be available to all at a fair price, thanks to digital technology.

Money is not a goal in itself, but it's a mean to help people achieve their life dreams. Unfortunately, only 33% of people are financially literate and more than half of the global population is living without any savings. We believe that only by using the right financial tools, each person can plan their goals and work towards reaching them, without being afraid of life's surprises or losing their hard-earned savings to inflation and other crimes.

What we are building.

We imagine the world in 2040 with 1 billion people — currently considered unbanked — having fair and secure access to the financial services they deserve.

Bitcoin is a global open network that already provides free access to the hardest money that has ever existed, and the ability to pay and get paid instantly with nearly zero fees, thanks to its second-layer Lightning network.

Growr is building on top of that to complete the stack of financial services that every single person deserves, starting from sustainable productive financing and financial health tools that provide personalized guidance.

Improving financial health.

Growr is building a community and tools that empower people in taking their financial health into their own hands. We have started with a financial health checkup and personalized advice how to improve your score.

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Fair and sustainable micro-lending.

The Growr protocol enables micro-entrepreneurs to receive instant productive loans based on their self-sovereign credit rating, without the need for over-collateralization. In contrast to traditional microfinance, Growr enables an open and global lending marketplace, and enforces a fully transparent deployment of capital.

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And the values we abide by.


We dream of an open world of abundance, equality, privacy and inclusion, where every single person — no matter their starting point — is free to chose, has the right to access, and has the opportunity to grow personally following their own journey.


Most financial services are provided in a way that creates confusion, and do not help protect the people from abuse and exclusion. We imagine a world where every person can select the best service at fair conditions, and where capital is deployed to make the right impact, without the risk to be misused.


Our community is built by engineers, designers, storytellers and financiers who are masters in their craft and who are committed to contribute to the society. We are creating a safe environment where people can share their experiences and challenges and get support.


Money is not the end goal — it's just the means to go smoothly through your life moments and challenges, and to achieve your dreams. We empower people by delivering innovative financial services that are designed around and put life first.



25 Jul 2022

Growr releases version 0.3 of the protocol on RSK Testnet

Today, we are releasing the next version of the Growr protocol with multiple bug fixes and new features in the core protocol and in the borrowing app.

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London, 29 Jun 2022

Finextra TV showcases Growr

Growr's Radoy Stoyanov was interviewed by Richard Peerce from Finextra TV, the leading financial technology media, presenting the key global problems the Growr protocol is solving.

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London, 28 Apr 2022

Growr wins big at Finastra's Hack to the Future

Growr has won Best Diversity, Equity & Inclusion (DE&I) submission at Finastra's Hack to the Future 4 annual global hackathon, and second place in the Decentralized Finance (DeFi) category. Thousands of participants from over 75 countries submitted 230+ projects focused on sustainable and inclusive finance, embedded finance and DeFi.

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10 Apr 2022

Growr releases version 0.2 of the protocol on RSK Testnet

Today, we are releasing a major update to the Growr Protocol on RSK Testnet, demonstrating the power of self-sovereign identity and decentralized risk management as enablers of financial inclusion.

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San Salvador, 9 Dec 2021

Growr wins Best Overall Product award at the Bitcoin Bankathon

We are proud to announce that we have won the Best Overall Product award at the Bitcoin Bankathon in El Salvador, organized by Banco Hipotecario in collaboration with API3 and Open Bank Project, and sponsored by Qredo and Tropykus.

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15 Nov 2021

Growr launches the Financial Health Checkup

Financial healthcare is at the heart of Growr's ethos. Today, we launched our first product – the Financial Health Checkup. It provides anyone with a score of their financial health and personalized advice on how to improve it.

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