The world's first native digital CDFI
At a time where there is not enough productive capital for people who need it most, Balanced Bank is 100% dedicated to delivering responsible, affordable lending to help low-income, low-wealth, and other disadvantaged people and communities join the economic mainstream. With Balanced Bank, you bank with balance.
As supply chains become consolidated and removed from local economies, money no longer recirculates amongst local communities forcing small businesses to close.
By promoting import replacement business rather than extractive, Balanced Bank is there to catalyse regenerative economies.
Balanced Bank offers communities and shareholders a transparent alternative to the dominance of shareholder-first capitalism. Indeed, poor corporate governance and misaligned incentives have rewarded short-term economic growth and increased income inequality, rather than support long-term economic resilience and income equality.
As the world's first native digital CDFI, Balanced Bank is developing scalable tech-enabled solutions for issuing and managing innovative finance instruments, such as a SaaS platform for CDFIs and impact investors to offer products to their customers and investors.
Balanced Bank's focus is on the:
Issuance and promotion of community currencies and related credit products (e.g. loans in community currencies)
Tokenization of investment instruments for traditional CDFI loans and ESG digital assets
Managed governance and voting for cooperative CDFIs
Applications for third-party CDFIs, impact investors, and community members to participate in investments, track their investments, governance/voting, measure and visualize social impact, and aggregate tokenized impact investments