Yubi

Yubi is strictly a technology platform. It does not hold a lending license or deploy its own balance sheet. Revenue comes from infrastructure fees, SaaS subscriptions, and network transaction charges. The firm explicitly describes itself as an 'operating system for financial services.'

Yubi's Co.Lend product is a digital marketplace that matches banks and large NBFCs (the capital providers) with smaller NBFCs and fintech originators. The platform handles credit assessment through its Accumn AI engine, structures the co-lending split per RBI's 80:20 master direction, and automates collections via Spocto X. Named participants include Finnable, U GRO Capital, Olyv, StashFin, and Axio.

The platform facilitates personal loans, MSME working-capital loans, supply-chain finance receivables, and point-of-sale buy-now-pay-later credit. Its largest vertical by volume is MSME credit, addressing a segment where only 14% of India's 64 million micro and small enterprises have formal borrowing access.

Yubi operates as an operating company, not an investment firm. All credit decisions are made by the regulated lenders on its platform — banks and NBFCs — using Yubi's AI risk models as an input. Gaurav Kumar, the founder and CEO, leads the company's product and engineering strategy.

No. Yubi does not manage institutional capital, operate a venture fund, or accept limited partner commitments. The platform connects lenders directly to borrowers; the credit risk and capital sit entirely with the originating financial institutions. Yubi charges a platform fee for the connection and ongoing servicing.