“The idea is to provide affordable financing for micro-businesses, and when they repay, they become owners by getting token rewards,” said Marks, Jia CEO and co-founder, adding that each token has a claim to a stream of revenues from Jia’s lending protocol.

https://techcrunch.com/2023/05/17/jia-a-blockchain-based-lender-of-small-businesses-in-emerging-markets-raises-4-3-million-seed/