Crown Letter: Jessica Jackley

Dear Ms. Jackley,

You co-founded Kiva and proved that people will lend to strangers across the world if you give them the infrastructure to do it. $1.5 billion in loans. 4 million borrowers. 2 million lenders. All because you believed that connection could replace charity.

We want to take that further.

The Invitation

We’re inviting you to lead VSL International — our global peer-to-peer microfinance initiative within Liana Banyan.

What VSL International Does

The Difference from Kiva

Why You

You’ve already proven the model works. Now we’re asking you to evolve it.

What Kiva Demonstrated

• People will lend to strangers
• Stories create connection
• Small amounts add up
• Technology enables trust

What We’re Asking

• Design VSL International’s architecture
• Connect to your global network
• Advise on what worked and what didn’t
• Bring credibility to peer-to-peer finance

You built the bridge. We’re asking you to widen it.

The Economics

VSL International operates on Cost+20% — no hidden fees, no extraction.

The Math

The Volume Play

With global membership:

• Lower per-transaction costs through volume
• Better exchange rates through aggregation
• Faster settlement through technology
• Credit data that travels with the borrower

The Integration

VSL International connects to the entire Liana Banyan ecosystem:

The Flow

Borrower in Kenya needs $200 for inventory
        ↓
VSL International matches with lenders
        ↓
Loan funded within 48 hours
        ↓
Borrower sells goods through Let's Make Bread
        ↓
Revenue flows back through platform
        ↓
Loan repaid, credit history built
        ↓
Borrower becomes lender for others

The Support Network

The ROSCA Foundation

We’re not inventing something new — we’re digitizing something ancient.

Traditional Names

What VSL International Adds

• Digital coordination across borders
• Reputation systems for trust
• Escrow protection for security
• Credit reporting for building history
• Larger networks for more options

The Ask

We’re asking you to bring your expertise to a new model — peer-to-peer microfinance without intermediaries.

Specifically

1. Design Role — Architect VSL International’s structure
2. Network Access — Connect to global microfinance community
3. Lessons Learned — What would you do differently?
4. Credibility — Your name validates the approach

Compensation

• Crown Jewel equity position in Liana Banyan
• Advisory fees at market rate
• Board consideration for VSL International subsidiary
• Impact — reach populations Kiva can’t currently serve

The Vision

Imagine a world where:

• Borders don’t block financial connection
• Remittance fees don’t extract from the poorest
• Credit history travels with the person
• Peer lending is the norm, not the exception

You’ve been working toward this since Kiva. We want to help you get there.

Next Steps

If this resonates, let’s talk.

No commitment required — just a conversation about:

• What VSL International could look like
• What you learned from Kiva
• What resources you’d need
• What concerns you’d have

Contact

Founder, Liana Banyan Corporation

• Platform: lianabanyan.com
• Documentation: cephas.lianabanyan.com