About Us
Why we exist
Millions of people around the world are excluded from formal financial systems because they lack traditional credit histories. At 25 Points, We believe that recurring payments—such as rent, utility payments, and group loans—tell a powerful story about financial responsibility. Our platform captures these data points, transforming them into a comprehensive credit history that opens doors to new financial opportunities. With 25 Points, you can manage all your routine payments in one place, build your credit profile, and access loans on better terms.
What we do - We are Gateway to Formal Financial Services
We provide a secure, AI-powered app that helps you manage all your recurring payments. Each payment you make is reported to credit bureaus, building a reliable financial identity even if you don’t have a traditional credit profile. By turning your everyday transactions into a complete credit history, we enable you to access formal financial services such as loans, helping you achieve your financial goals.
Why 25 Points? Because Every Payment Tells a Story
Each payment you make—whether for rent, utilities, or group loans—contributes to building a strong, accurate credit profile. We empower you to take control of your financial future, transforming routine payments into a gateway to formal financial services. With enough data points, we can create a financial identity that reflects your true financial behavior, helping you access better financial products and services that support your growth and success.
Our story
Jackson Kadyampakeni (Founder&CEO)
Jackson Kadyampakeni (Founder&CEO)
At 25 Points, we recognized a significant gap in financial services. Traditional banks and lenders often overlook many potential customers who, despite their excellent financial habits—such as timely bill payments and consistent loan repayments within their savings groups—lack formal credit histories. This disconnect inspired us to create
At 25 Points, we recognized a significant gap in financial services. Traditional banks and lenders often overlook many potential customers who, despite their excellent financial habits—such as timely bill payments and consistent loan repayments within their savings groups—lack formal credit histories. This disconnect inspired us to create a technology platform that enables individuals to take charge of their financial identities and build their credit histories.
By integrating diverse financial data points, such as rent payments, saving and loan payments, and utility bills, into a single, comprehensive credit profile, 25 Points bridges the gap between informal financial activities and formal financial services. Our services will not only help lenders identify and better serve new customers but also makes financial inclusion a tangible reality for millions previously excluded from the financial mainstream.
