Jabali Studio · The income graph
From financial inclusion to economic inclusion.
Financial inclusion gave the majority an account. It did not give their work a record. The income graph is that record, read only with the earner's consent.
An AI underwriting engine for the economic majority: a verified identity and a record of the work, matched by AI, read with consent.
For creators: Studio Mtaani for music, YouTube for content creators.
An account lets money in. A record lets a person count.
A wallet in most pockets, and still no trace of the work that fills it. Economic inclusion starts where the account stops.
The informal sector is not a gap in the economy. It is the economy, waiting for a record.
From a national ID to an economic identity.
A bank has always had three things for the few: a known person, a history, and the analysts to read it. We build all three for the majority, on a conversation.
Financial inclusion needed a phone. Economic inclusion needs identity, data, and the AI to read them.
- 1National IDWho you areThe state
- 2Payable identityYou can be paidA phone number and a wallet
- 3Economic identityWhat you made, own and earnStudio Mtaani, through agent networks, written to the National Rights Registry
- 4FinancedA lender can actAny reader, with consent
An agent the community trusts turns an ID and a phone number into a verified, payable identity. AI checks the document; the agent vouches for the person.
Works, splits, plays, sales and payments, written once at the source and owned by the earner. Shared only with consent, one query at a time.
Matching every payment to a person and a work, checking what is real, and reading the record. The underwriting an analyst did for the few, done by AI for the majority, at a cost that makes it free to join.
Written once, at the source.
Not reconstructed later from statements. Written when the work happens, by the people closest to it, and owned by the person who did it.
- 01An agent verifies the person
Someone the community already trusts turns an ID and a phone number into a payable identity.
- 02The work is recorded at the source
A song and its splits, a sale, a delivery. Written once, when it happens.
- 03Income resolves to the person
Every payment for that work lands on the same record, whatever channel it came through.
- 04The earner grants access
A lender, a licensee or a collector reads the record only with consent, one query at a time.
One record. Four readers.
Every stream, play, show and ringback tone resolved to one creator and their works. Each reader sees only what the earner allows, one query at a time.
Illustrative. The first graphs open as the founding cohort completes registration.
One record. Many networks.
The creative economy is the first network. The same record, built by the same kind of agent, serves the next ones.
One method, four moves.
You bring a sector and the people it already trusts. We design the network and the record, and the identity works with every other network.
- 01Map the trust
Field research with the people the community already relies on: who they are, what they carry, what they are owed.
- 02Design the record
Identity, activity and money made visible with consent, in the tools the network already uses.
- 03Prove it in the field
A pilot with real agents, hypotheses, gates and independent measurement, so the evidence stands up.
- 04Set it free
A national standard, a business the community shares in, and data that stays at home.
Economic inclusion is a record, not a slogan.
Verify a person, clear a work or reconcile a statement, with the earner's consent. Or bring the next sector.