LedgerLens

Spaza shops in South Africa and tuntemba (roadside kiosks) in Zambia already keep records: receipt books, till slips, notebooks, mobile-money messages and voice notes. Lenders cannot use them, so traders with real trading histories stay credit-invisible. The scale is large: 76% of Zambia's workers are informally employed (ZamStats Labour Force Survey 2022) and 5.7 million South Africans are in informal employment (Stats SA, Q4 2025); missing financial records are a reported reason Zambian small businesses are refused loans (2022 Bank of Zambia MSME Finance Survey, as reported by BongoHive, 2025). LedgerLens turns those records, as they are, into a ledger the trader confirms and a credit file a microfinance officer can read. Muse Spark 1.3 reads photos of printed and handwritten records into a fixed schema; Muse Voice Transcribe turns voice notes into entries. Code, not the model, does the arithmetic and assigns an evidence tier to every line (third-party record with an ID, receipt without one, or self-reported), and nothing is saved until the trader confirms. The credit file shows monthly money in and out, how much income is backed by third-party evidence, and the source of every line; it never scores the trader. Measured on the developer's own real South African and Zambian receipts (black-boxed): on a sealed hold-out scored once, totals correct 6 of 7; on the practice set, whole record correct 21 of 24 and totals 23 of 24, at about $0.01 and 11-16 seconds per record. A person typing the same records took a median of 29 seconds each at the same accuracy. Voice notes, including one in code-switched "town Nyanja", were read correctly 3 of 3; 6 of 6 prompt-injection attacks were resisted. p95 latency 27.5 s; 0 errors on the hold-out. Known limit, disclosed: a photo that is not a financial record can still produce a made-up amount; the warnings show and the trader rejects it. Live web demo (WhatsApp-first design; the web chat is the planned fallback because Meta's test account blocked outgoing WhatsApp messages).