# Finance for the  Next Billion

PayJoy is a Public Benefit Corporation dedicated to helping underserved customers in emerging markets to achieve financial stability and success. Join us!

### Linda Montes, Garment Maker

"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."

### Jorge Monroy Lazaro, Security Guard

“With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”

### Nicole Eve Aguilar, Food Cart Entrepreneur

“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”

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### Sandra Rodríguez Valgañón and Alfredo Muñoz

“We always have it for emergencies and to solve problems. It has been a great support for our work, mainly.”

### Marcela Perdomo López, Founder of Arepitas Paisas

“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”

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### Mery Espinoza

“If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy.”

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### Monica Fumba

“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”

## We work across teams and borders to unlock financial inclusion

## **You have a voice,** from day one

Bold ideas can come from anywhere. Collaboration and diverse perspectives fuel our best work.

## **Milyon-milyong happy customers and counting.**

Mula sa mga masisipag na manggagawa at mga pamilyang may malalaking pangarap, ito ang access na nagbibigay ng mas maraming oportunidad.

### Our Principles

## **Built to Guide**  **‍** ‍ **Everything We Do.**

We focus on clarity, consistency, and long-term impact — ensuring every decision we make supports meaningful growth for our partners and customers.

- **Ownership**: We give people ownership of their work.
- **Break Through Walls**: We empower employees to do the impossible.
- **Live Communication**: We handle disagreements and sensitive topics with live communication: in person, by video, or phone.
- **Transparency & Directness**: We share information freely inside PayJoy, unless there is a specific need to keep something private.
- **Focus on Scale**: Achieving our mission requires global impact with massive scale.
- **Work-Life Balance**: We succeed in the long term by finding a sustainable balance between our work and personal lives.
- **Embrace Diversity**: We embrace and value diversity of backgrounds, experiences, and perspectives.
- **Speed**: We act with urgency and improve along the way.
- **Active Listening**: We seek to understand each other by first echoing back their point of view, which allows us to find the best solutions.