Pavan Agarwal

And so we basically offer free. The only thing you pay for is the cost of credit report, like our actual expenses, but the whole thing is free. So now that's a form of philanthropy because I'm just literally helping a lot of people.

And so we basically offer free. The only thing you pay for is the cost of credit report, like our actual expenses, but the whole thing is free. So now that's a form of philanthropy because I'm just literally helping a lot of people.

right and i get nothing out of it i did a big investment in building the ai to do it but i'm not getting any direct immediate result but what i am acquiring is is i'm investing in the relationship right i'm investing in my customers right and and we'll eventually build a big ecosystem right and the same thing where next thing we're rolling out is is very very low cost payday loans

right and i get nothing out of it i did a big investment in building the ai to do it but i'm not getting any direct immediate result but what i am acquiring is is i'm investing in the relationship right i'm investing in my customers right and and we'll eventually build a big ecosystem right and the same thing where next thing we're rolling out is is very very low cost payday loans

So, payday loans are insane. Again, they're like 200%, sometimes 600% effective interest rates. And for people with modest means, like people who can't really afford that. So, they're trapped in the clutches of these money traders. And they can never get out. They never get out of that poverty. They're always paying the interest and never saving money. So I said, you know what?

So, payday loans are insane. Again, they're like 200%, sometimes 600% effective interest rates. And for people with modest means, like people who can't really afford that. So, they're trapped in the clutches of these money traders. And they can never get out. They never get out of that poverty. They're always paying the interest and never saving money. So I said, you know what?

The AI can do the whole thing. I'm investing one time to build the AI. That's an investment. I want to deliver payday loans at very low interest rates. which is basically my cost to borrow the money from the banks plus the risk of default. So it's very, very low. So I don't plan on making any profit on that service.

The AI can do the whole thing. I'm investing one time to build the AI. That's an investment. I want to deliver payday loans at very low interest rates. which is basically my cost to borrow the money from the banks plus the risk of default. So it's very, very low. So I don't plan on making any profit on that service.

So we can lend money out, not make any profit, and immediately lift a lot of people out of poverty. And the other thing that we're going to do with our payday loans is, is when you get a paid loan through Angel, you're going to get your credit built because we will report it to the credit bureaus as a positive trade line.

So we can lend money out, not make any profit, and immediately lift a lot of people out of poverty. And the other thing that we're going to do with our payday loans is, is when you get a paid loan through Angel, you're going to get your credit built because we will report it to the credit bureaus as a positive trade line.

right so a lot of the reason you're getting paid loans because you don't have the credit right and if you don't have credit you can't do get regular financing right so so we're actually creating this this sort of stair step right right give you the tools give you the education because angelia has a big education component you can ask all kinds of financial questions and then and then get the assistance that you need right so that's so so to learn

right so a lot of the reason you're getting paid loans because you don't have the credit right and if you don't have credit you can't do get regular financing right so so we're actually creating this this sort of stair step right right give you the tools give you the education because angelia has a big education component you can ask all kinds of financial questions and then and then get the assistance that you need right so that's so so to learn

Philanthropy is integrated into our business model. We start by giving and building relationships and helping. We invest in you. We help you rise up above your current economic situation. Let's say you're a wage earner and you're living on payday loans today. I get you into a low cost lending system. Now you're actually saving money instead of paying all your savings into a money lender.

Philanthropy is integrated into our business model. We start by giving and building relationships and helping. We invest in you. We help you rise up above your current economic situation. Let's say you're a wage earner and you're living on payday loans today. I get you into a low cost lending system. Now you're actually saving money instead of paying all your savings into a money lender.

And then you go from saving money, right? Now you've built up enough and you're building credit. Now you've saved up enough money for a down payment, which, by the way, a lot of people don't realize you can. And right now we have programs in 49 states or 48 states where you can literally buy a house with no down payment, like zero down. And this is incredible and people don't know about it.

And then you go from saving money, right? Now you've built up enough and you're building credit. Now you've saved up enough money for a down payment, which, by the way, a lot of people don't realize you can. And right now we have programs in 49 states or 48 states where you can literally buy a house with no down payment, like zero down. And this is incredible and people don't know about it.

And so but you just need some credit. Right. So we help you build a credit. We help you clean up your past debts. And now you're ready to to buy a house. And now instead of burning all this money in rent and whatever, now you're actually going back full circle. Now you own real estate and you're getting wealthy. And that's a full economic system, full cycle.

And so but you just need some credit. Right. So we help you build a credit. We help you clean up your past debts. And now you're ready to to buy a house. And now instead of burning all this money in rent and whatever, now you're actually going back full circle. Now you own real estate and you're getting wealthy. And that's a full economic system, full cycle.

Start from point A to get you to point Z and one platform to get you there.

Start from point A to get you to point Z and one platform to get you there.