Skyro uvodi digitalni kredit koji se može ponovno koristiti na Filipinima, istražuje mogućnosti na tržištima jugoistočne Azije

Skyro, a digital-first consumer finance platform operating in the Philippines, has launched SkyroCredit, a reusable digital credit line, making it available to all eligible customers nationwide. The service was rolled out on 13 July 2026, following a successful pilot phase that saw over 100,000 users engage with the product for everyday purchases such as groceries, medicines, fuel, and dining. Skyro is also looking to expand its operations into other Southeast Asian markets to address financial exclusion issues. SkyroCredit operates as a revolving digital credit line, offering customers a fixed credit limit without requiring physical cards or reliance on traditional card networks like Visa or Mastercard. Users can access their credit directly through the Skyro app, using it instantly by scanning QR Ph codes, Philippine’s widely accepted QR payment standard found at over 90% of merchant locations. Major partners include SM, Mercury Drug, Watsons, Jollibee, McDonald's, and DALI Supermarket. The system allows users to borrow, repay, and reuse the same credit limit without needing to reapply each time. Nasim Aliev, one of Skyro's co-founders, emphasized the initiative's focus on providing affordable credit to underserved communities in Southeast Asia amid rising living costs and shifting financial priorities. He noted that modern consumers require financial tools tailored to their daily needs and evolving habits. SkyroCredit aims to offer flexibility, including an interest-free grace period of up to 45 days, and includes features like 1% cashback on every transaction, which can be redeemed on future purchases via the app. Customers initially qualify for credit limits ranging from PHP 1,000 to PHP 10,000, approximately USD 17 to USD 170, with the potential to increase their limit to as much as PHP 100,000 through consistent and responsible usage. The product aligns with broader efforts to improve financial inclusion in the region, particularly given statistics from the Bangko Sentral ng Pilipinas indicating that only half of Filipino adults hold formal financial accounts. By leveraging the growing QR-based payment infrastructure, Skyro seeks to deliver accessible and sustainable digital credit options that match increasing consumer demand. Skyro, founded as a high-growth fintech firm, employs proprietary data science and AI-driven credit evaluation methods to assess alternative data points, enabling it to serve previously unbanked populations effectively. Its mobile-first approach and modular architecture allow for scalability and adaptability in diverse market conditions. In less than three years, Skyro has already reached over one million active customers in the Philippines, supported by a credit portfolio valued at more than $200 million. Looking ahead, Skyro plans to extend its reach beyond the Philippines into other Southeast Asian countries, aiming to become a leading provider of comprehensive financial services across multiple emerging markets. The company's strategy involves deepening its presence in existing markets while simultaneously exploring new territories where there is significant untapped potential for financial inclusion initiatives. This expansion underscores a broader trend among fintech firms to innovate and tailor financial products to meet the specific needs of local populations, especially in regions where traditional banking services remain limited.