What Moneyveo does

Moneyveo is a Kyiv-headquartered online microfinance provider founded in 2013 that issues short-term consumer loans through fully digital, self-serve platforms in Ukraine (moneyveo.ua) and Vietnam (moneyveo.vn). Its core product is an end-to-end automated lending stack spanning marketing, credit decisioning, client support, and non-performing loan (NPL) management; the decisioning layer reportedly evaluates applications in approximately one minute using thousands of data points and produces an average application completion time of about eight minutes. The company explicitly serves underbanked segments, including borrowers without official employment, students, retirees, and applicants with imperfect credit history, with disclosure that only an ID and bank card are required for a first loan. The customer base consists of 950,000+ regular users who have collectively drawn 4.7 million loans, with 70% of borrowers applying for a second loan, and Moneyveo is reported as the #1 player in Ukrainian non-bank online lending by the Ukrainian E-Commerce Expert study. The company employs 530+ people and generates revenue on a transaction-fee model by charging interest only for the actual period a loan is outstanding, with early repayment permitted without penalty and minimum payments waived; repeat customers receive larger loans at lower rates under a rewards/pricing tier that began at 0.01% for first-time borrowers.

Name

Moneyveo

Legal name

Moneyveo

Website

https://moneyveo.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Moneyveo is a Kyiv-based online microfinance provider, founded in 2013, that issues short-term consumer loans through fully automated digital platforms in Ukraine and Vietnam, serving underbanked borrowers who lack access to traditional bank credit.

Ownership category

akta.pro rank

Product category

Online Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

akta.pro secondary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

Keywords

• Online consumer lending
• Short-term microfinance
• Digital microloans
• Non-bank lending
• Payday loan platform

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Short-term Loan Interest: Moneyveo provides short-term loans and charges customers only for the time they use the loan. Early repayment is not overcharged and there is no minimum payment amount. Returning customers receive bigger loans at lower interest rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Moneyveo operates a fully digital, online short-term lending platform that provides microloans to individual consumers in Ukraine (moneyveo.ua) and Vietnam (moneyveo.vn). The service is delivered end-to-end online — application, automated credit decision, disbursement and repayment — with an average application time of 8 minutes and automated decisioning in roughly 1 minute. Pricing is pay-as-you-go: customers are charged interest only for the actual time the loan is used, with early repayment at no penalty and a 0.01% promotional rate on the first loan.

Product overview

Moneyveo is a single unified digital lending platform offering short-term online loans in Ukraine and Vietnam. The core product provides rapid credit access with features including flexible interest charging (only for actual loan usage), restructuring options for struggling borrowers, loan prolongation capabilities, and a rewards program for returning customers. The platform emphasizes automation and quick decision-making based on thousands of data points, enabling 1-minute application processing and 8-minute average application completion times. The company serves approximately 950,000 regular users across two markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Moneyveo Short-Term Online Loan

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• UAFIN.TECH 2025minorGTM or Marketing Partner · 12 December 2025Moneyveo is listed as a partner for the UAFIN.TECH 2025 conference focused on the Future of Embedded Finance in Ukraine. The event brings together banks, fintech companies, technology companies, startups, and regulatory bodies. Moneyveo is one of several partners alongside Activitis, NovaPay, and Done.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Cashwagon: Operates online microfinance and short-term cash loans in Vietnam and other SEA markets — directly comparable to Moneyveo's moneyveo.vn offering, same product category, similar underbanked target customer, and overlapping geographic footprint.
• MoneyMan: Leading online microfinance platform originating in Russia/CIS with similar short-term, fully digital, automated-decisioning model serving underbanked consumers — a close functional analog to Moneyveo in adjacent CIS/emerging markets.
• OKash (Opera): Mobile-first short-term online lender offering cash loans in emerging markets (Africa, Asia), targeting underbanked users via a fully digital application process — comparable product mechanics, customer segment, and emerging-market positioning to Moneyveo.
• Kreditech: Online consumer lender using alternative data and machine learning for credit scoring in emerging markets — closely aligned technology stack (automated, alternative-data underwriting) and similar underbanked customer targeting as Moneyveo.

Broad incumbents

• Home Credit: Large, established consumer-finance group operating across emerging markets including Vietnam and CIS countries; serves similar underbanked consumers with POS and cash loans, but with a much broader product portfolio, physical retail presence, and balance sheet than Moneyveo.
• Mintos: Loan marketplace that funds consumer lenders (including short-term / payday originators) across emerging markets; adjacent comparable as both a source of loan-book funding for Moneyveo-type lenders and a benchmark for portfolio performance and valuation of consumer-credit assets.

Emerging players

• Branch International: Provides small-dollar digital loans to underbanked consumers in emerging markets via mobile app — analogous automated decisioning model, similar thin-file customer base, and cross-market expansion playbook relevant to Moneyveo's Vietnam strategy.
• Tala: Mobile lending platform serving underbanked consumers across emerging markets (Mexico, Philippines, India) using alternative data underwriting — comparable customer profile, digital-only distribution, and emerging-market focus.
• FairMoney: Digital consumer lender providing short-term and personal loans to underbanked customers in emerging markets (Nigeria, India) via mobile — similar automated decisioning, underbanked target, and emerging-market scaling model.

Regional players

• Kueski: Mexico's leading online consumer lending platform offering short-term and installment loans via digital onboarding — comparable product-led, online-only, short-term lending model to underbanked consumers in a single emerging market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moneyveo