Founded by Mursal Hedayat, a refugee from Afghanistan living in the UK, and Guillemette Dejean, a Y Combinator alum, Chatterbox is an online language learning platform designed and delivered by refugees. Language skills and cultural knowledge are increasingly necessary for professionals in the globalized economy. The Chatterbox digital platform uniquely combines AI-powered self-study courses alongside algorithmically matched native language coaches from the refugee community. Coaches are paired with students based on shared professional backgrounds and interests, achieving industry topping completion rates and unbeatable relevance in learning. On the app, engineers are learning Arabic from fellow engineers and aid workers are learning French from medical doctors. And while Chatterbox clients learn, their refugee coaches earn a living, improve their employability, and reclaim their professional identities. Classes can be offered one-on-one, in small groups, to whole classrooms, or for organizations who purchase lessons on behalf of their members.

At SOCAP 2018, Kiva announced the creation of Kiva Capital, an impact-first asset manager, and with it the launch of their first fund, focused on raising $30M for refugee financial inclusion. The fund is expected to catalyze almost $100M in loans over its projected 5-year term, with direct impact to over 200,000 borrowers. The vehicle will offer a range of sub-commercial return streams for institutional investors.

Leaf offers integrated financial services to refugees and internally displaced persons, using blockchain to create a safe and secure system for individuals to store assets, receive payments, and make cross-border transfers. This suite of products works on any mobile phone (no smartphone required), providing easier access to particularly vulnerable populations. By using blockchain to facilitate digital payments, customers avoid unnecessarily high transaction costs charged by traditional money transfer companies. They can access Leaf’s digital wallet wherever they go and receive deposits from friends and family abroad straight to their mobile device. Refugees and other displaced persons are often at risk of criminal activity as a result of carrying cash, and physical currency is especially difficult to safely store and transport across borders. Leaf provides individuals with an opportunity to create a secure economic identity while also lowering the barrier to accessing key financial services.