PayJoy, a U.S.-based fintech startup, announced on Wednesday the global availability of its Lock API. PayJoy reported that�the API allows PayJoy's lending partners to secure financing with compatible smartphones. As previously reported,�PayJoy reported it has helped tens of thousands of underbanked consumers in emerging markets, across the U.S., Latin America, Southeast Asia, Africa, and India. The company's patented, pay-as-you-go financing system helps consumers with not only mobile device financing, but also unsecured lending, by using