The Missing Middle · Briefing index

The Missing Middle.

Rwanda's creditworthy small businesses can't borrow. The data to lend safely already exists. The bridge between them is empty — these four artifacts are the bridge, specified end to end.

01–03 Documents04 Video

The Missing Middle — mono-color editorial cover: a hand holding a phone with a mobile-money statement, money flowing in to out

The four artifacts

01 · Document

Problem — The Missing Middle

Credit dead zone, overlooked MoMo asset, the two rails, why now. 8 pages.

Open PDF →

02 · Document

PRD — EmbeddedLend

Full architecture (consent → signals → decision → loans → eKash) + MVP slice. API-only. 8 pages.

Open PDF →

03 · Document

PRD Architecture — Hand panorama

Hand-drawn system panorama companion to the PRD. 4 pages.

Open PDF →

04 · Video walkthrough

EmbeddedLend — system walkthrough

Data in, decision out — the consent-to-eKash flow end to end. 4:43.