# Juvo

> Juvo uses mobile behavior and payment data to build financial identities and proprietary credit scores for underserved consumers. It works with mobile operators and financial institutions, and offers phone-backed personal loans through Juvo Crédito in Brazil as well as device financing with Samsung Finance+.

- **Founded:** 2014
- **Headquarters:** San Francisco, United States
- **Founders:** Steve Polsky (Founder and CEO)
- **Products:** Airtime lending, YEScore, Financial Identity as a Service (FiDaaS), Juvo Crédito, Samsung Finance+ partnership
- **Notable:** Reported more than 150 million financial profiles and over one billion transactions by November 2021., Juvo’s timeline records the 2018 LendIt award for Most Innovative Mobile Tech., Reported 7.5 million unique Brazilian users of airtime and cash loans in 2023.

## Products & services

- **Airtime lending** — Small advances for prepaid mobile subscribers, delivered through operator partnerships; repayment behavior contributes to credit assessment.
- **YEScore** — Proprietary credit scoring using mobile behavior and alternative transaction data; Brazil launch in 2019.
- **Financial Identity as a Service (FiDaaS)** — Alternative-data financial identities and credit-decisioning capabilities for mobile operators and financial institutions. Public whitepaper available in 2019.
- **Juvo Crédito** — Brazilian phone-collateral personal loans advertised at R$700-R$4,500 with up to 12 monthly installments, subject to approval.
- **Samsung Finance+ partnership** — Smartphone purchase financing through Juvo in participating Brazilian stores; Juvo dates pilot implementation to 2025.

## Achievements

- Reported more than 150 million financial profiles and over one billion transactions by November 2021.
- Juvo’s timeline records the 2018 LendIt award for Most Innovative Mobile Tech.
- Reported 7.5 million unique Brazilian users of airtime and cash loans in 2023.
- Company timeline says it reached R$10 million in personal-loan originations in a single month in 2024.
- July 2025 reporting put cumulative Brazilian credit extended at R$1.6 billion; this is loan volume, not revenue.

## Latest updates

- **2025-07** — Reported R$140 million third FIDC series and approximately R$65 million equity financing, totaling R$205 million in new capital of different types.
- **2025** — Juvo’s company timeline records pilot implementation of Samsung Finance+ and its fourth consecutive Great Place to Work certification.

## Links

- Website: https://www.juvo.com/
- LinkedIn: https://www.linkedin.com/company/juvo
- Twitter/X: https://x.com/juvo_mobile
- YouTube: https://www.youtube.com/@juvocredito
- Instagram: https://www.instagram.com/juvo.credito/
- Facebook: https://www.facebook.com/JuvoCredito/

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Profile page: https://yespress.io/juvo
Published by YesPress — https://yespress.io
Last updated: 2026-10-25