Haraka was founded in February 2024 to address financial exclusion by providing basic financial services, such as savings, borrowing, and credit-building, to underserved entrepreneurs using a reputation-based lending model powered by stablecoins. In its first year, Haraka expanded to Kenya and Ghana, engaging micro-entrepreneurs and leveraging social capital to assess creditworthiness. The Kenya pilot validated social reputation as a predictor of repayment, while the Ghana pilot demonstrated…