Jia

Jia Co. is a Delaware-incorporated technology company that builds financing infrastructure for small and medium-sized businesses in emerging markets. Its platform lets businesses upload invoices and receive advances of up to 90% of face value, with funding described as available in as little as 30 minutes and within 24 hours of application, at fees stated as 1-5% and terms from one day to six months. Alongside invoice factoring, Jia markets inventory financing, supply chain financing and platform financing (capital extended to a partner platform's merchant, distributor or supplier network), plus a no-fee business account and cash-flow tracking tools that it positions as a single system for running business finances [0][2].

Jia Co. does not itself provide banking or financing services; financial products are offered through its regulated subsidiary Jia Financing, Inc., a Philippines financing company registered with the Philippines Securities and Exchange Commission, and through partners. The company states it does not hold, transmit or custody funds and is not regulated by the Bangko Sentral ng Pilipinas [0][1][4]. Earlier company materials describe a blockchain-based model in which borrowers are reached through local partners such as wholesalers that supply merchant data for underwriting, receive JIA token rewards for on-time repayment, build on-chain credit history, and can sponsor other borrowers by depositing collateral into a collateral pool that shares interest and is liquidated on default [3].

Published coverage describes Jia as an Africa- and Asia-focused blockchain fintech, initially operating in Kenya and the Philippines with plans to explore West Africa, Latin America and Asia, providing loans of up to $5,000 to small businesses at interest reported as roughly a third of that charged by consumer fintech lenders [6]. More recent coverage describes a Philippines-focused integrated financial operating system spanning working capital, business banking and cash-flow tools, underpinned by a proprietary AI credit model called Ossicone trained on Southeast Asian SME data [7].