Milestone 1
Supported by Seed.Lab
Powered by Petronas and Tata Consultancy Services — backing the early path as we make credit more accessible for rural farmers and SMEs through channels they already use.
TUAI · A social startup
Making finance accessible for rural farmers and SMEs.
KiraTUAI brings fair credit and microloans to rural communities, smallholder farmers, and SMEs — through WhatsApp and Telegram, where they already are.
Read why we're doing thisWhy we exist
People who feed our communities shouldn't need a bank branch to borrow fairly.
Smallholder farmers and small business owners keep rural economies running. Yet fair credit often sits far away, behind paperwork, or in products built for someone else's life.
A bad season or a slow month shouldn't push anyone toward whatever option happens to be nearest, rather than the one that is fairest.
TUAI began with a simple belief: access to finance is a question of design, not of worth. Build for how rural people actually live and talk, and fair credit can reach them.
What gets in the way — and how we respond
Distance
Branches and loan officers are often far from the farm or the village shop.
Our answer: We meet people inside WhatsApp and Telegram, already on their phones.
Complexity
Forms, jargon, and apps designed for city life can make borrowing feel like it isn't for you.
Our answer: One simple place to learn and to book credit, without a new banking habit.
Trust
When terms are hard to follow, it's hard to tell whether a loan is truly fair.
Our answer: Clear, farmer-first finance from a real team you can meet and question.
What we're building
KiraTUAI: financial literacy and fair credit, inside the chats people already use.
KiraTUAI is our flagship product. It helps rural communities, smallholder farmers, and SMEs understand money and credit, and book credit and microloans, without having to learn a new standalone banking app.
Step 1: Open KiraTUAI
Start at app.bytuai.com — the doorway into KiraTUAI.
Step 2: Continue where you already chat
Carry on in WhatsApp or Telegram, the apps you message in every day.
Step 3: Learn, then book credit
Build your financial know-how and book credit or a microloan in a few simple steps.
WhatsApp TelegramLoan products, terms, and eligibility are shown inside the app.
Open KiraTUAIWhat drives us
We're motivated by one simple picture.
A farmer or shopkeeper who can understand their options, ask for credit on a phone they already own, and invest in their own next season — on fair terms, with people they trust. Everything we build is measured against that picture.
Farmers first
We design around the people who grow our food and run village businesses. Partners come second, never the other way round.
Meet people where they are
WhatsApp and Telegram already sit in people's pockets. We don't ask for a new habit before we offer help.
Fair and clear
Credit should be understandable. We would rather explain slowly than sell fast.
Proven in the field
We test with the communities we serve and let what we learn there shape the product.
Our journey
Where we've been, and where we're headed.
We are building KiraTUAI step by step, with partners who share the goal and communities who tell us what works.
In the field
Learning with rural communities
We test KiraTUAI with rural communities, smallholders, and SMEs, and let every visit shape what we build next.
Looking ahead
Growing with partners who share the goal
NGOs, cooperatives, microfinance institutions, mentors, and supporters can help us bring fair finance to more communities.
Talk to us about partnering
Co-founders and coaches — the faces behind KiraTUAI.
The people behind TUAI
A real team you can meet.
Four co-founders, guided by coaches and mentors who keep us grounded in the field. If you'd like to know us better, we'd like to hear from you.
Fuad
Co-Founder & CEO
Ts. Dominic
Co-Founder & CTO
Aqilah
Co-Founder & CMO
Abbas
Co-Founder & CCO
The impact we want to create
Fair finance that stays close to the community.
A future where rural smallholders and SMEs can access fair finance without leaving the tools they already trust — and where community wellbeing, not speed of scale, is how we measure success.
Accessible by design
Credit and microloans shaped for rural life and small businesses, not for urban banking habits.
Confidence to choose
Communities that understand credit well enough to decide what is right for them, and what isn't.
Trust you can meet
A real team, a real milestone, and field work you can ask us about.
Questions, answered
Common questions about TUAI and KiraTUAI.
What is KiraTUAI?
KiraTUAI is the flagship product of TUAI, a social startup. It helps rural communities, smallholder farmers, and SMEs understand money and credit, and book credit and microloans, without learning a new standalone banking app.
Where can I use KiraTUAI?
You start at app.bytuai.com and continue in WhatsApp or Telegram, the apps you already message in every day.
How do I get started with KiraTUAI?
Open KiraTUAI at app.bytuai.com, carry on in WhatsApp or Telegram, then learn about credit and book credit or a microloan in a few simple steps.
What are the loan terms and eligibility?
Loan products, terms, and eligibility are shown inside the KiraTUAI app, so you can review them before you decide.
Who is TUAI for?
TUAI is built for smallholder farmers, rural community members, and rural small businesses. Partners such as NGOs, cooperatives, microfinance institutions, government, and social investors can also work with us.
Who is behind TUAI?
TUAI is run by four co-founders, guided by coaches and mentors. We are supported by Seed.Lab, powered by Petronas and Tata Consultancy Services.
How can my organisation partner with TUAI?
Use the contact form on this site or email hello@bytuai.com and tell us what you have in mind.
Be part of this
Two ways to take the next step.
Farmers & small businesses
Ready to learn or borrow?
Open KiraTUAI at app.bytuai.com to begin, then continue on WhatsApp or Telegram.
Open KiraTUAIPartners, mentors & supporters
Want to work with us?
NGOs, cooperatives, microfinance institutions, government, and social investors — tell us what you have in mind.
Contact us