Designing Carrot: An App That Lets You Borrow From Your Stocks without Selling Them.

In an era where financial inclusion and accessible credit remain pressing challenges across emerging markets, the rise of digital financial services has opened new doors for innovation. Yet, traditional lending models often fail to serve the growing number of retail investors who have assets but lack access to instant, low-friction credit. As more people invest in stocks and digital assets, there’s a growing need to unlock the value of these portfolios in smarter, more flexible ways.

Carrot was founded to meet this need—reimagining credit by turning investment portfolios into accessible collateral. Through strategic partnerships with investment platforms, Carrot provides users with an instant line of credit based on the value of their holdings. By placing a lien on their portfolio and issuing loans with transparent interest structures, Carrot empowers users to borrow responsibly without selling off their assets.

More than just a lending platform, Carrot reflects a shift toward a new kind of financial infrastructure—one that is API-first, user-centric, and deeply integrated with the habits of modern investors. In doing so, it not only helps users unlock liquidity but also reshapes how credit works in the age of digital finance.