# Finna

> Borderless money, in your hands

Finna is a stablecoin-based financial services company serving emerging markets, starting in Africa. It lets users borrow fiat against stablecoin collateral, swap between stablecoins and local currencies, and send payments through a custodial wallet.

Finna is a financial services company that uses stablecoins to provide access to loans, currency exchange, and payments for individuals and businesses in emerging markets, with an initial focus on Africa. It offers stablecoin-backed fiat loans, swaps between digital dollars and local currencies, and remittance services, delivered through a custodial wallet designed to simplify access and compliance.

The platform addresses currency volatility and limited access to credit in underserved markets by letting users hold stablecoins and borrow local currency against them without traditional credit checks. Loan and lending activity is delivered in collaboration with a licensed lending partner, and services are structured to meet applicable financial regulations in the markets it serves.

Finna's core offerings span lending, currency swaps, and cross-border remittances, grouped around a single wallet experience. The service is used by individuals, students, small and medium businesses, and companies seeking to move value between stablecoins and local currencies across multiple regions.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/finnaprotocol_io

## Products

- [Finna](https://thegrid.id/profiles/finnaprotocol_io): Finna is a centralized platform that provides stablecoin-backed fiat loans and currency conversion services through a single wallet application. Users deposit stablecoins as collateral to receive local currency loans at a fixed interest rate, with early repayment reducing total cost and withdrawals settled to local bank accounts. The same account and interface let users convert stablecoins to local fiat and back instantly without added fees, avoiding the need for a separate application. Payment and card features are also embedded within this wallet, allowing users to manage borrowing, conversion, and spending from one account. (Centralised Borrowing & Lending, Live, Main Product)

## Links

- [Main](https://finnahq.com)
- [Blog](https://finnahq.medium.com)
- [Privacy policy](https://www.finnahq.com/policy/privacy)
- [Terms of Service](https://www.finnahq.com/policy/terms_of_use)
- [Media Kit/branding](https://finnaprotocol.io/#:~:text=Contact%20us-,Download,-Media%20Kit)
- [Twitter / X](https://x.com/FinnaHQ)
- [Telegram](https://t.me/finnaHQ)
- [LinkedIn](https://linkedin.com/company/finnahq)
- [Instagram](https://instagram.com/finnahq_)
- [Medium](https://finnahq.medium.com)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP