GoJo

Project Overview

GoJo runs community-based lending pools for members across Japan, connecting borrowers with peer-to-peer lending networks. Ready Bytes built the web platform and the AI chatbot at its core — a JP/EN bot that handles loan inquiries, assesses eligibility, and moves applications through processing with minimal manual review.

The platform gives underserved communities a faster, less paperwork-heavy path to community-led lending than traditional financial services offer.

What We Built

• AI chatbot for loan intake — NLP-driven bot in Japanese and English that answers loan inquiries, runs automated eligibility assessment, and processes applications in real time
• Community lending pools — peer-to-peer lending infrastructure with automated risk assessment and flexible repayment scheduling
• Full-stack platform — React frontend with WebSockets for real-time chat and dashboards; Node.js/Express backend; MongoDB for data; JWT/OAuth 2.0 for authentication

Challenges

• Japanese financial regulations — built compliance checks and audit trails into the transaction flow to meet Japan's financial regulatory requirements.

Results

• Automated 80% of loan applications through the chatbot
• Reduced loan processing time from days to minutes
• Serving thousands of community members across Japan