Nithio

About

Nithio is an AI-driven climate fintech platform that mobilizes investment for clean energy access and climate resilience in Africa. Using its proprietary Risk Analytics Engine, Nithio standardizes credit risk assessment by analyzing customer repayment data and geospatial information, enabling targeted, data-driven financing for solar home systems, productive use appliances, and local energy enterprises.

Impact

Nithio has improved energy access for over 128,000 people and supported nearly 17,000 enterprises across Kenya, Nigeria, Uganda, and the DRC, while avoiding more than 1.4 million metric tons of CO₂ emissions. Its blended finance approach has catalyzed $47 million in committed funds and enabled sustainable growth for 21 off-grid solar operators.

Responsible AI practices

Nithio’s responsible AI practices include rigorous data privacy and anonymization, transparency in credit risk modeling, and continuous validation of its analytics with real-world repayment and demographic data. The platform uses inclusive, context-sensitive models to ensure fair access to finance, supports local SMEs, and tracks impact to avoid bias and market distortion.