Kora is a project of hope for billions of people who are underserved by the current global financial system. High costs, lack of proper identity, poor access to banking locations, and mistrust or poor understanding of the banking system exclude two billion adults from financial services. The Kora Network provides a low cost, universal access financial services ecosystem that is accessible via SMS/USSD as well as via mobile phone app, all enabled by blockchain technology. This will help communities build self-sustaining, community-owned financial services ecosystems. By drastically reducing the cost and time required to provide financial services, and drawing a diverse set of stakeholders into an interoperable network, Kora unlocks the Long Tail of the global economy, beneting populations most in need and enriching the global economy by unlocking the capital, intellect, and creativity of the underserved and impoverished.