PayJoy's mission is to provide a fair and responsible entry point for individuals in emerging markets to access the modern financial system, build credit, achieve economic freedom, and obtain digital connectivity.
The company's buy now, pay-as-you-go model allows individuals without credit to purchase smartphones and pay weekly for 3-12 months using the phones as collateral.
Ricket emphasized that PayJoy operates with transparency, offering interest-free loans with no hidden fees. Users can return phones at any time and will never pay more than the disclosed amount.
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