Expand financial inclusion through education, agents, and reforestation

Education is named first because we treat it as a prerequisite, not a companion feature. Nobody should use a financial tool they don’t understand — so every CeloHT program starts with a curriculum, in Haitian Creole, before Valora or cUSD ever enters the conversation.

The agent network comes second because trust is a human problem, not just a design problem. An app alone doesn’t build confidence in a new financial tool; a trained person from the community does.

Reforestation is third — not because it matters less, but because it’s the pillar most directly tied to the long-term economic security of the same communities the first two pillars serve.