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Skyro has rolled out SkyroCredit, a reusable digital credit line, nationwide across the Philippines, following a pilot phase that drew more than 100,000 users.
Customers used the pilot for everyday purchases including groceries, medicines, fuel, and dining, and Skyro said it is also exploring expansion into other Southeast Asian markets.
SkyroCredit gives customers a fixed, revolving credit limit accessible entirely within the Skyro app, with no physical card and no reliance on the Visa or Mastercard networks.
Users can spend by scanning any QR Ph code, the Philippine QR payment standard accepted at more than 90% of merchant outlets nationwide, including SM, Mercury Drug, Watsons, Jollibee, McDonald’s, and DALI Supermarket.
Once used, the credit limit resets on repayment without requiring reapplication.
Eligible customers start with credit limits of PHP 1,000 to PHP 10,000, with room to grow to as much as PHP 100,000 through consistent, responsible use.
Purchases carry 0% interest for up to 45 days and earn 1% cashback, redeemable on future purchases.
Nasim Aliev
“Our goal is to provide access to affordable credit for underserved communities across Southeast Asia at a time when everyday expenses continue to rise,” said Nasim Aliev, Skyro Co-Founder. “By expanding our portfolio of point-of-sale loans, cash loans, and Buy Now, Pay Later products to include flexible credit lines, we are building long-term customer relationships based on everyday use, responsible borrowing, and trust.”
Skyro cited BSP data showing that only half of Filipino adults had a formal financial account as of 2025, framing SkyroCredit as a way to extend credit access as QR-based payment networks expand across the region.
Skyro has built a sizeable base in the Philippines since launching in 2022, reporting more than 1 million active customers and a credit portfolio exceeding US$200 million.
