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.

SmartSukuk™
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


Pre-Launch
microfinance

Traditional Market Sellers & Micro-Businesses

Invest in traditional market traders in Indonesia's cultural heartland

Pre-Launch
microfinance

Diversified Central Java Microfinance Fund

Portfolio of cooperative microfinance institutions.

Incredibly better banking. Made by incredible locals.

See why communities LOVE their local BMT.

Watch the Video

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.

How it Works


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

Meet the Team


        We're passionate about helping great investors and great institutions succeed and prosper together. We have more than two decades of financial services technology and software services industry experience.

Matthew J. Martin

Matthew J. Martin

Founder & CEO

Jamil Abbas

Jamil Abbas

CFO

Khalid Howladar

Khalid Howladar

Chief Strategy Officer

Chris Smith

Chris Smith

Blockchain Architect

Featured Blog Posts


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

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.

Wednesday, December 12th, 2018

Blossom CEO Featured Speaker at Bank Indonesia Conference

Speech at 5th Annual Shariah Economic Festival in Surabaya highlights benefits of technology for a strong economy.

Monday, November 26th, 2018

Blossom Wins World Islamic FinTech Award

Awarded "Most Innovative Use of Blockchain for Islamic Finance" for SmartSukuk™

Monday, May 7th, 2018

Islamic Finance Upgraded: Smarter Sukuk Using Blockchain

Blossom Finance announces SmartSukuk™ platform for issuing blockchain-powered Islamic financing instruments using Ethereum smart contracts.

Get in Touch

United States

55 E 3rd Ave
San Mateo, CA 94401

Indonesia

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] or call (800) 487-4122.

1. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Blossom is not a financial advisor and statements appearing on Blossom's website and communications from Blossom do not constituate 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. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, exposure to any single Note, Beneficiary, or group of Notes or Beneficiary, as well as macroeconomic conditions.

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

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