Jia is a decentralized lending protocol and fintech startup that connects capital to real yield opportunities from small businesses in emerging markets. By offering loans to micro and small businesses, Jia aims to bridge the access-to-finance gap and provide fair access to short-term loans. Through its platform, Jia incentivizes pro-ecosystem behavior, partners with high-quality data providers, and uses rewards tokens to deliver consistent yields to investors while supporting the growth of businesses in underserved markets.