Forest Jalan is a fintech company that tokenizes real-world credit assets, including receivables, loans, and bonds, into on-chain investment products. It uses operational, hiring, and payroll data from Grab JOOB to generate credit insights for MSMEs and workers in Southeast Asia. Through its eNote Finance product, it issues tokenized receivables as programmable eNotes and connects Web3 and institutional investors to credit use cases such as earned-wage access and MSME trade financing.