Mola
Open in WhatsApp →
Now live with pilot partners in Lagos

Your business speaks.
Does your bank
hear it?

You sell every day on Instagram and WhatsApp. Buyers pay into your bank. But to a lender, your business looks invisible. Mola makes it visible — and turns that into real working capital.

Open your Mola account in WhatsApp →See how it works
Free
for every seller, always
24hr
to your first score
300–850
MolaScore range
MolaScore
300
TIER 4 · STRONG
updates every Monday · first score within 24 hours
The problem we're solving

A real business,
invisible to the
credit system.

Over 4.7 million Nigerians sell clothes, food, electronics, and beauty products through Instagram stories and WhatsApp messages. Some of them move ₦2 million through their accounts every month. They have hundreds of loyal repeat buyers. They respond to enquiries within minutes.

Yet when they walk into a microfinance bank and ask for a ₦200,000 working capital loan, they're turned away. Not because their businesses are failing — because their businesses are invisible to the credit system.

No payslip
Informal income the payroll rail can't see.
No tax records
FIRS filings are rare below the incorporated-business line.
No bureau history
CRC and FirstCentral have nothing on file.
No collateral
Inventory, phones, and ring lights aren't pledgeable.
Just a phone, a ring light, and a business that works.
How Mola reads your business

Four signal streams.
One standardised score.

Claude reasons, Python computes. Your monthly averages, consistency scores, and seasonal coefficients are deterministic Python — Claude reasons across them, and every score is auditable to the transaction level.

Bank signals
  • Monthly income average
  • Income consistency (0–1)
  • Seasonal coefficient of variation
  • Unique payers / 30-day window
Instagram signals
  • Posting frequency
  • Engagement rate
  • Purchase-intent ratio
  • Business-discovery reach
Buyer signals
  • Unique buyers / 90 days
  • Repeat-buyer rate
  • Top-buyer concentration
  • Dropped-cart recovery
Repayment signals
  • MFB repayment history
  • GSI exposure detection
  • On-time-rate trend
  • Restructure events
Fair. Explainable. Always auditable.
Every score carries Claude's reasoning trace. Every classification is labelled with a source. Every feature-snapshot is retained for five years — per FCCPC DEON 2025.
< 10s
Score delivered
5 yr
Record retention
100%
Decisions explained
For sellers

Your financial
identity, finally.

Five native WhatsApp surfaces that turn your commerce signals into working capital — without an app download and without ever leaving your thread with Mola.

‹
M
Mola✓
online
Today
Mola
Morning Adaeze ☀️ Strong week. Your score moved up.09:02
MOLASCORE · WEEK 16
724
★ TIER 4 · STRONG
▲ 18 pts since last week
Tap to see what moved the needle.
Open breakdown
Wetin make am go up? 🔥09:03 ✓✓
MolaScore
Your business credit score, 300–850, updated every Monday. A visual card lands in your WhatsApp with the number, your tier, and the two factors moving it most.
‹
M
Mola✓
online
Friday · 07:02
Mola
Your Friday Report for week 16 is ready. I found one thing you'll want to act on today.07:02
PDF
Mola-Week-16.pdf
6 pages · 412 KB
Revenue ₦482,300 (+14%). Best day: Wednesday. 3-min read.
Mola · heads-up
Also — 4 DMs from Wed looked like buyer intent but went unanswered. ~₦120k possible.07:14
Friday Report
A personalised PDF every Friday morning. Revenue, top buyers, the one day this week you outsold every other — and one insight you didn't know to ask for.
‹
M
Mola✓
online
Shoes wey madam order last friday — she don pay?08:15
Mola
Yes — Mrs A. Balogun paid ₦78,000 into Access Bank at 14:12 on Fri. That's her 3rd order this month.08:15
Her favourite style?08:16
Mola
Slingback 39. She bought that in January and March too. I can draft a re-stock message if you want.08:16
Draft a message
Show her order history
Talk to Mola
Ask anything in English or Pidgin. "How much did I make this week?" "Which day are buyers most active?" "Am I growing or shrinking?" Mola reads your data and answers straight.
‹
M
Mola✓
online
I wan order more stock for Detty December. Can I qualify for ₦500k?09:03 ✓✓
Mola
With your 724 score and 6 months of income history — yes. I just pulled two indicative offers.09:02
2 OFFERS · VIEWED BY YOU ONLY
ACCION MFB
₦500k
4.5% · 6mo
LAPO · BEST
₦500k
3.9% · 6mo
Compare in detail
Capital access
When your score qualifies you, partner MFBs reach out through Mola with offers priced to your actual risk — not the generic rate applied to sellers with no history.
‹
M
Mola✓
online
Today · 09:11
Mola · heads-up
6 DMs from yesterday read like buyer intent but still have no reply. Estimated value ₦142,000. Want the list?09:11
Show me the 6
Draft a bulk reply
Mute these alerts
Draft the bulk reply. Keep it warm.09:12
Mola
Draft · edit before sending
Hiya love 💛 saw your DM — still have the piece in your size. Hold it till this evening?
09:12
Dropped cart alerts
When a buyer goes silent after asking the price of something, Mola tells you who and when — and drafts the follow-up message you'd have sent anyway.
How it works

From first message to first score in 24 hours.

01
Message Mola on WhatsApp
Tap the button or message START to wa.me/234…. No app install — you continue in the same WhatsApp you already use.
02
Verify your BVN
A NIBSS iGree-consented passcode flow. Mola stores only a SHA-256 hash of your BVN — never the number itself.
03
Connect bank & Instagram
Mono Connect for read-only transaction history. Meta Business OAuth for engagement signals. Both happen inside WhatsApp.
04
Receive your first MolaScore
Within 24 hours. A visual card arrives in your thread with your number, your tier, and why.
05
Score updates every Monday
Automatic, for ever. When you qualify for capital, partner lenders introduce themselves through Mola with offers priced to you.
Pricing for sellers

Mola is free for sellers.
Always.

No card on file. No trial. Your MolaScore, your Friday Report, your Talk-to-Mola — free for every seller, today and for ever. Mola is paid by lenders, not by you.

FOREVER FREE
₦0
No card. No expiry.
Open Mola in WhatsApp →
Everything included
  • MolaScore, updated every Monday
  • Friday Report PDF, every Friday 07:00 WAT
  • Talk to Mola — English or Pidgin
  • Dropped-cart buyer alerts
  • Capital offers from partner MFBs
  • Mola Verified Seller Badge (KYB)
How Mola makes money. Mola charges lenders a facilitation fee on every loan disbursed to a Mola-scored seller, and a monthly subscription for portfolio monitoring. Sellers pay nothing — not today, not at scale, not ever.
Security & compliance

Your data, handled with the care it deserves.

Registered with the FCCPC as a credit intelligence platform. NDPC-accredited Data Controller. Every architectural choice in Mola traces back to a line in NDPA 2023, FCCPC DEON 2025, or NDPC GAID 2025.

BVN as a hash, not a number
We store SHA-256(salt + BVN) — never the raw BVN. Every lookup runs through the NIBSS iGree consent framework.
Read-only bank connection
Bank linking uses Mono Connect's PCI-DSS compliant OAuth. Mola never sees your credentials, never holds your money, never moves funds.
Data stays in Africa
All seller PII is stored in AWS af-south-1 (Lagos). Agent trace observability is self-hosted in GCP africa-south1. Never leaves except under Anthropic's enterprise DPA for LLM calls.
FCCPC DEON 2025, on record
Every score carries its reasoning trace. Every feature snapshot is retained for five years. Adverse action notices include two to four human-readable reason codes.
Walled per tenant
Row-level security in PostgreSQL. MCP-layer tenant enforcement. Claude literally cannot see another seller's data — the query never reaches the database.
Seller control, always
Any seller can disconnect any data source, request deletion, or close their account by sending a single WhatsApp message. Hard deletion completes within 72 hours.
About

Built in Africa, for the entrepreneurs nobody else was scoring.

Molarity is a Lagos-registered technology company building the financial intelligence layer for Nigeria's informal economy. We are not a lender. We hold no funds. We process no payments. We read alternative data with consent, compute a standardised credit signal, and deliver it to the sellers who produce it and the lenders who want to serve them.

We are registered with the Nigerian Data Protection Commission as a Data Controller, with the Corporate Affairs Commission as an incorporated entity, and are in the process of FCCPC registration under DEON 2025 as a credit intelligence platform.

2025
Incorporated, Lagos
NDPC
Accredited Data Controller
17
Team members
Molarity Technologies Ltd · Plot 1, Idejo Street · Victoria Island, Lagos 101241 · Nigeria · support@mola.ai

Your business
is already speaking.

Open Mola in WhatsApp. Free, always. Your first MolaScore arrives within 24 hours.

Message START on WhatsApp →For lenders
wa.me/234XXXXXXXXX