# Tala

> Powerful financial infrastructure for the new global economy

Tala provides instant credit, savings, and financial tools to underserved customers through a mobile app using alternative data and machine learning for underwriting.

Tala is a financial platform serving the Global Majority by combining credit bureau intelligence, bank relationship expertise, and payment execution. Users can access instant loans, savings accounts, spending tracking, and financial education through the mobile app. The platform uses machine learning trained on alternative data to underwrite customers without traditional banking history.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2011-01-01
- Profile: https://thegrid.id/profiles/tala

## Products

- [Tala Mobile](https://thegrid.id/profiles/tala): Tala Mobile is a consumer lending app delivering instant credit lines to underbanked customers across emerging markets, using alternative data and machine learning for underwriting, with integrated digital wallet and crypto-enabled money transfer capabilities. (Centralised Borrowing & Lending, Live, Main Product)
- [Tala Crypto Wallet](https://thegrid.id/profiles/tala): Tala Crypto Wallet is a non-custodial cryptocurrency wallet built on the Stellar blockchain that enables users to manage digital assets with full control over their private keys. The wallet provides access to stablecoins like USDC, facilitating low-cost cross-border transfers, secure storage of virtual assets, and affordable credit access for underserved communities. Users maintain ownership and autonomy over their digital currency while benefiting from Stellar's fast transaction speeds and low fees, with initial deployment in Peru targeting financially underserved populations. (Wallet, Discontinued)
- [Tala Embedded Credit](https://thegrid.id/profiles/tala): Tala Embedded Credit is a Credit-as-a-Service platform enabling wallets, remittance apps, and gig platforms to offer instant credit to their customers via SDK or API, with Tala providing AI-driven underwriting, capital, and full operational support, while the credit experience is white-labelled within the partner's brand. (Centralised Borrowing & Lending, Live)

## Links

- [Main](https://tala.co)
- [Blog](https://tala.co/blog)
- [Facebook](https://facebook.com/talamobile)
- [Twitter / X](https://x.com/talamobile)
- [Instagram](https://instagram.com/talamobile)
- [LinkedIn](https://linkedin.com/company/tala-mobile)
- [YouTube](https://youtube.com/@UCwOxJtVFsb1dYATcuGMpBNQ)

## 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