Invest in Changing Lives

Sustainable Development

Access to financial services is critical to helping reduce poverty. Many people living below the poverty line cannot use a typical bank savings account due to lack of access and high fees.

Local Islamic microfinance cooperatives ("BMT") provide important savings and financing services to marginalized communities to help reduce poverty. Your investment helps these community banks finance micro-entrepreneurs to start or grow profitable businesses.


Profitable & Sustainable

Typically, your investment yields a 6-8% return per year, and the principle investment capital is returned after 6 or 12 months. Every 3 months you'll receive a profit-sharing contribution and report detailing the positive impact of your investment. 1

Fund Model Reduces Risk

Your investment is pooled into a fund with multiple investors and disbursed across dozens of community banks and thousands of individual entrepreneurs. This way, money can be used where its needed most urgently, and your risk is diversified across a broad portfollio.

Strictly Ethical

Not all microfinance is created equal. Financing via Blossom's platform is used strictly to finance income-generating businesses—never for consumer spending. The aim of each investment is to increase a family's overall household income—and to put the loan sharks out of business.

Ethical Capital Market, Evolved.

 SmartSukuk leverages the trusted contract structures of conventional Sukuk,
            but brings online efficiency using the Ethereum blockchain. SmartSukuk cannot include usurious loans, margin trading, or excessive speculation. All businesses and projects must meet strict criteria including screening that prohibits any activities that could cause harm to society.

Emerging Market Access. Globally.

Using Blossom's platform, investors get access to unique and interesting projects in emerging markets.

Socially Responsible. Positive Impact.

Projects are evaluated and underwritten not only on financial merit, but on the underlying impact to local communities.

Fully Legal & Regulated

Every investment includes a legally enforceable contract and corresponding legal operating structure to protect investors.

Profit Sharing Model

No up-front administrative or service fees charged to investors. Blossom earns a share of investor profits.

Flexible Investment Options

Blossom's Investor Portal is designed with international investors in mind. Invest using cryptocurrency or via conventional bank transfer.

Fully Shariah Structure

Investments are end-to-end shariah compliant using fully approved shariah structures such as profit-sharing (mudarabah).

Featured Projects


BMT Bina Ummah 2 Variable Profit Rate Sukuk

Invest in traditional market sellers & traders in Indonesia's cultural heartland


BMT Bina Ummah 3 Short Term Variable Profit Rate Sukuk

Earn a share of profits from a diverse portfolio of traditional businesses by funding their expansion

Incredibly better banking. Made by incredible locals.

See why communities LOVE their local BMT.

Watch the Video

bmt tamzis team bgs2oj

The “BMT” model combines a for-profit motive (“Baitul Tamwil”) with a social-benefit motive (“Baitul Maal”). BMTs provide core banking facilities to marginalized communities where traditional banks don't operate or charge fees beyond what the community can afford.

BMTs drive wealth creation within local communities via savings programs and microfinance, and then use their commercial returns to fund social enterprise projects that solve local problems while providing sustainable income to the poor.

bmt fastabiq brvuwu

How it Works

Unlike peer-to-peer platforms which carry risk of individual default, Blossom uses a fund model. Your investment risk is diversified across a portfolio of BMT community banks which in turn invest into thousands of micro-entrepreneurs across various regions in Indonesia. 

blossom model diagram jczixb

Meet the Team

        We're a unique blend of financial technology and financial industry veterans passionate about helping investors and institutions prosper together. Combined, we have more than four decades of financial services and financial technology industry experience.

Matthew J. Martin

Matthew J. Martin

Founder & CEO

Khalid Howladar

Khalid Howladar

Chief Strategy Officer

Mufid Shawwa

Mufid Shawwa

Chief Investment Officer

Dr. Dalal Aassouli

Dr. Dalal Aassouli

Advisor, Islamic Finance

Chris Smith

Chris Smith

Blockchain Architect

Travis Silverman

Travis Silverman

Sr. UI Designer

Jamil Abbas

Jamil Abbas

Advisor, Microfinance

Mohamed Roushdy

Mohamed Roushdy

Advisor, GCC

Featured Blog Posts

Get news, read announcements, and follow our multi-part learning series
on topics relvant to ethical investment & Islamic finance.

Tuesday, August 4th, 2020

Blockchain Microfinance Sukuk Wins 2 Awards, Yields 15.5% Despite Covid-19 Stress

Indonesian co-op has thus far funded 234 micro-business from the sukuk which was issued via Blossom Finance’s SmartSukuk™ platform.

Thursday, January 30th, 2020

World-First Blockchain Sukuk Reports 12.94% Annualized Profit

Indonesian microfinance co-op’s issuance via Blossom’s SmartSukuk™ platform has already funded 144 individual entrepreneurs

Wednesday, October 16th, 2019

World’s First Primary Sukuk Issuance on Blockchain Closes

Private placement sukuk al-mudaraba for BMT Bina Ummah used to expand Indonesian microfinance

Tuesday, April 9th, 2019

Ethereum Blockchain Based Platform for Islamic Finance Wins Microfinance Award at Kuala Lumpur Islamic Finance Forum

Blossom awarded "Most Outstanding Islamic Micro Credit Company" for its SmartSukuk™ platform funding microfinance institutions in Indonesia.

Get in Touch

United States

55 E 3rd Ave
San Mateo, CA 94401


Satrio Tower 16th Floor, Mega Kuningan
Jl. Kuningan Barat Raya, Jakarta 12950

Important Legal Info

Blossom is a trademark of Blossom Labs, Inc. a U.S. Delaware Corporation. For inquiries, contact [email protected]

1. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Blossom is not a financial adviser and statements appearing on Blossom's website and communications from Blossom do not constitute financial advice.

2. Historical Returns are not intended as a promise of future results. Blossom Investments are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, the exposure to any single Note, Beneficiary or group of Notes or Beneficiaries, as well as macroeconomic conditions.

3. Actual results may differ materially from projected and/or historical returns. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Prior to making an investment decision, prospective investors should carefully consider all terms and risk factors stated in the offering documents and information appearing in/on Blossom’s website and apps. Investments are subject to a number of risk factors, including but not limited to issuer credit, currency, political, legal, regulatory, liquidity, settlement, concentration, portfolio performance and platform risks.

4.  US Residents must qualify as accredited investor under Regulation D of the Securities Act of 1933.

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