We turn a daily fuel-pump scan into a verifiable credit identity for the 4.3 million informal transport operators the financial system cannot see.
Tanzania's bodaboda and bajaji operators move the country and earn daily. Yet no system records that income, so they cannot borrow, insure, or save. The exclusion is not only financial — it is the daily insecurity of the families who depend on them.
Fewer than three in a hundred operators can access any formal financial institution.
Without records, riders finance bikes through informal 'bosses' at punishing effective rates.
Behind every rider is a household — uninsured, with no buffer if income suddenly stops.
With no insurance, one road accident ends a family's income. With no savings, there is no buffer against illness or school fees. With no record, ten years of honest work leaves no trace and no dignity. Chapgo exists to change that — beginning with a single, verifiable identity.
The fuel pump is the one daily, verifiable touchpoint in a rider's working life. Chapgo captures it — and builds an identity on top of it.
At every refuel, a 3-second QR scan records the rider's fuel purchase. Works on any phone. No app, no internet, no new habit.
The pattern of scans over time, combined with cooperative data, builds a five-factor creditworthiness profile — the rider's verified income identity.
The score is designed to let banks, insurers and SACCOs offer collateral-free loans, insurance and savings — for the first time in the rider's life.
The breakthrough: every past attempt to formalise this sector failed because it demanded a new habit from the rider. Chapgo demands nothing — the rider fuels as always, and the system builds the identity.
The scan is the sensor. The Boda Score is the intelligence built on top of it: a weighted composite that describes the rider's economic life, not their repayment of any single loan.
The rider's actual revenue pattern over time — the core signal, independent of any loan.
How many days the rider works — a leading indicator, well before any missed payment.
Daily work intensity — capacity and effort, captured before any lending relationship.
Fuel used relative to income — operational discipline and a cross-check against misreporting.
Cooperative contribution discipline — community-mediated trust and savings behaviour.
A repayment record only tells a lender whether a rider repaid that lender. An income identity tells any lender whether the rider can earn — and it is portable across institutions.
A verified identity that unlocks fair credit, insurance and savings — and a route out of the informal financing trap, toward owning their own vehicle.
Digital management of members, contributions and loans — making each society more transparent to its members and more credible to lenders.
Verified income data that lets banks and insurers reach 4.3 million customers they could never underwrite before — with lower risk, not more.
Chapgo does not compete with banks. It is the income-verification layer they plug into — the rails that make lending to the informal transport sector possible.
Riders do nothing new. The fuel pump they already use becomes the data source — the one thing no competitor has built on.
A forward-looking, predictive signal of a rider's actual earning — not a backward-looking record of one loan.
The score belongs to the rider and works with any institution — a shared, neutral credit identity, not a single lender's private data.
Built through SACCOs and the trust networks riders already belong to — not bought through expensive advertising.
Chapgo Company Limited is a Tanzanian company building the income-data and credit-identity infrastructure for the country's informal transport sector — beginning with bodaboda and bajaji operators in Dar es Salaam.
Our mission is to make the invisible visible: to give millions of hard-working operators a verifiable financial identity, and through it, access to the credit, insurance and savings that formal workers take for granted.
We are building in alignment with Tanzania's national financial-inclusion and transport-formalisation agenda — as a private-sector partner to the institutions working to bring this sector into the formal economy.
Every rider who gains a financial identity gains the chance to own their vehicle, protect their family, and build a future — and the whole economy grows more formal, more transparent, and more inclusive.
We welcome conversations with partners, financial institutions, cooperatives, government stakeholders and investors who share our mission.