Across Africa and other emerging markets, access to financial services remains a challenge, especially for the unbanked and underbanked. Tulu Coin (TLC), the backbone of the Tulupay ecosystem, provides a borderless, decentralized solution for saving, lending, borrowing, and staking, built for individuals, entrepreneurs, and small businesses across the continent’s $3 trillion informal economy.

Build, Borrow, and Shape with TLC

TuluPay gives users the full financial toolkit to grow wealth, unlock instant credit, access short-term liquidity, and help govern the ecosystem—all with Tulu Coin (TLC). Whether you're saving for the long term with up to 8% APY via Tulu Save, securing fast loans with Tulu Lend, tapping flash credit with Tulu Borrow, or earning and voting through Tulu Staking, TLC puts the power of decentralized finance in your hands—no banks, no paperwork, no gatekeepers.

Example: A young agribusiness owner in Kenya stakes her TLC to earn passive income with Tulu Save. When she needs extra capital for irrigation equipment, she uses the same TLC to secure a loan via Tulu Lend. Later, she taps a flash loan via Tulu Borrow to restock mid-season, and finally, she stakes part of her earnings to vote on a proposal reducing lending rates for small farmers like herself.

Built for Real Use

TLC powers practical savings, lending, and staking experiences across TuluPay’s decentralized financial stack, enabling anyone, anywhere, to grow wealth, access liquidity, and participate in community governance.

• Tulu Save: Stake TLC in a non-custodial contract and earn up to 8% APY with flexible lock-up terms.
• Tulu Lend: TLending is open, permission less, and designed for informal workers, small merchants, and rural entrepreneurs.
• Tulu Borrow: Trusted users can access fast flash loans with zero collateral perfect for short-term needs like arbitrage, inventory financing, or emergency liquidity
• Tulu Staking: Earn up to 12% APY by securing the network as a validator or delegator while gaining voting power to shape lending terms, ecosystem rewards, and treasury decisions.

Who Benefits?

• Individuals: Take control of your financial future
• Businesses: Use TLC for treasury growth and working capital
• Government: Promote transparent governance via community staking
• Developers: Integrate TLC into wallets, apps, and savings platforms

Why TLC Is the New Foundation for Financial Access

Tulu Coin (TLC) transforms savings, lending, and governance into a community-first, borderless experience. No more barriers. No more gatekeepers. Whether you're starting a business, covering school fees, or staking for the future.