Hi Priya16 - I'm Riya and I work with Milaap. Just wanted to help you further with your query on where this gift code money comes from. This money comes from corporates/ institutions/ HNIs who fund Milaap projects. These institutions want individual users like you and me to select borrowers on their behalf thereby enabling Milaap to spread the word about the causes and also give users an experience of making a small loan for a cause! Hope that helps!