At Lipafy, we build the revenue layer that powers credit through real-time transaction data captured where commerce happens — and turn it into lending-grade signals.
This is not a lack of money.
It’s a lack of trusted data.
Sales happen offline or in fragmented systems.
Payments don’t translate into credit access.
Risk is guessed, not measured.
Small businesses stay underfinanced.
We sit at the point of sale — in stores, on the street, and online — and transform daily commerce into structured financial data.
Records transactions as businesses operate.
Digital payments confirm authenticity.
Models analyze consistency and growth.
Lenders issue offers based on performance.
