We present HyperLender, a permissioned blockchain-based platform that unites AI-driven decision-making with smart contract automation to enable fair, transparent, and efficient microlending. Our approach leverages advanced machine learning models—such as LSTM architectures and Explainable Artificial Intelligence (XAI) frameworks—to refine credit evaluations, mitigate algorithmic bias, and address the absence of conventional credit histories. In tandem, Hyperledger Besu provides an immutable and auditable record of each loan transaction, reducing fraud risks and facilitating robust identity management for borrowers and lenders. By systematically injecting off-chain data through oracles, the platform adapts to market conditions (e.g., inflation, exchange rates) in near real time. Although initial risk assessments are based on external data sets, ongoing retraining with HyperLender’s internal user data enhances model fairness and performance over time.