What One Click Money does

One Click Money is a Russian online microfinance organization (MFO) that originates short-term, small-ticket loans to individuals through a fully digital, self-service platform. The legal entity is AO MKK UF (Joint Stock Company Universal Financing Microcredit Company), registered in the Central Bank of Russia's state registry of microfinance organizations on November 3, 2015 (registration number 001503760007126) and a member of SRO MiR (Microfinance and Development) since August 27, 2020. The platform targets Russian citizens aged 18 to 80, including unemployed individuals, students, pensioners, and customers with poor or no credit history, all of whom are typically underserved by traditional banks. Borrowers can apply via the website (oneclickmoney.ru) or iOS/Android mobile applications, with onboarding limited to a Russian passport, a photo-with-code identity check, and optional Gosuslugi integration; no income verification, collateral, or guarantor is required.

The core product is a microloan ranging from 500 to 100,000 rubles for terms of 2 weeks to 1 year, with an automated decisioning system that processes applications in approximately 1 minute and approves roughly 8 out of 10. Approved funds are disbursed within ~15 minutes to bank cards (Visa, MasterCard, Maestro, MIR), electronic wallets (QIWI, Yandex.Money), or cash pickup via Russian money transfer systems (Leader, Zolotaya Korona). The platform is complemented by a personal account dashboard with loan-prolongation functionality, an auto-payment service, a fast-payment feature that allows repayment without login, and a self-employment registration assistance service delivered in partnership with Sberbank, Tinkoff, and VTB.

The revenue model is transactional: One Click Money earns interest on issued microloans (stated at approximately 1.5–2% per day for some products) plus extension/prolongation fees. The site reports daily throughput of roughly 175 loans and approximately 2.2 million rubles in disbursements at an average ticket of 12,600 rubles, and the company has accumulated 151,627 mobile app downloads. Distribution is digital-only and nationwide across Russia, with go-to-market executed through SEO, an extensive content/news section, and mobile app presence; the company links to Finbridge via its investor relations page, indicating affiliation with a larger lending ecosystem. The current director is Grigin Ilya Vladimirovich, appointed January 23, 2026.

Name

One Click Money

Legal name

Акционерное Общество «Микрокредитная Компания Универсального Финансирования»

Website

https://oneclickmoney.ru

Company type

Private

Founded year

2015

Operating status

Operating

Short description

One Click Money is a Russian online microfinance company that issues small, short-term loans (500–100,000 rubles, 2 weeks–1 year) through a fully digital, 24/7 self-service platform targeting underserved consumers such as the unemployed, students, pensioners, and subprime borrowers across Russia.

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Check Cashing with Deferred Presentment (FSAKAMAL)

Keywords

• Online microloans
• Consumer lending
• Microfinance services
• Short-term loans
• Digital lending

Headquarters

HQ city

Rostov

HQ country

Russia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Microloan Interest: The primary revenue stream comes from interest charged on microloans issued to customers. Loans range from 500 to 100,000 rubles with terms from 2 weeks to 1 year. Interest rates are stated as approximately 1.5-2% per day for some products.
2. Loan Extension/Prolongation Fees: Fees charged when customers extend or prolong their loans through the 'Prolongation' service

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

One Click Money is a fully online Russian microfinance organization that issues short-term cash microloans to individual citizens aged 18-80 in amounts from 500 to 100,000 rubles for terms of 2 weeks to 1 year. The service runs 24/7 with automated underwriting that approves 8 out of 10 applications in roughly 1 minute, requires only a Russian passport, and disburses funds to bank cards, e-wallets, or money transfer systems within 15-20 minutes without income verification, collateral, or calls to relatives or employers.

Product overview

One Click Money operates as a single-platform online microloan service with modular functionality. The core offering is the online microloan platform, which provides loans from 500 to 100,000 rubles for terms of 2 weeks to 1 year. This core platform is supported by the Personal Account dashboard for loan management, the Auto-Payment service for automated repayments, the Fast Payment service for quick loan repayments, and a Mobile App for iOS and Android devices. The company also provides supplementary services such as self-employment registration assistance through partnerships with Russian government services and bank partners including Sberbank, Tinkoff, and VTB.

Differentiator

Problem solved

Functional benefit

Products and services

• One Click Money Online Microloan Service Fully online microloan product for Russian citizens aged 18-80, offering loans of 500 to 100,000 rubles for terms of 2 weeks to 1 year, with automated approval and 15-20 minute disbursement to bank cards, e-wallets, or money transfer systems. No income verification, no collateral, and no calls to relatives or employers are required.
• One Click Money Mobile App Native mobile application for iOS and Android that enables registration, application submission, loan management, and push notifications. Described as offering 4-minute registration and full account functionality.
• Fast Payment Service (Оплата по номеру договора) Loan repayment service that lets borrowers repay their loan using a contract number plus phone number or date of birth, without needing to log into the personal account.
• Self-Employment Registration Assistance Service Guidance and referral service that helps Russian users register as self-employed (самозанятые) through the Gosuslugi portal, the Federal Tax Service «My Tax» mobile app, or partner banks including Sberbank, Tinkoff, and VTB.

Quantifiable outcome

• 8 out of 10 applications are approved
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• SberbankminorGTM or Marketing PartnerSberbank is listed as a partner bank for self-employed registration services, allowing customers to register as self-employed through the Sberbank mobile application.
• Tinkoff BankminorGTM or Marketing PartnerTinkoff Bank is listed as a partner bank for self-employed registration, offering an alternative channel for registering self-employed status.
• VTB BankminorGTM or Marketing PartnerVTB Bank is listed as a partner bank for self-employed registration services.
• VisacoreTechnology or IntegrationVisa payment cards are accepted as a loan disbursement method. Funds can be transferred to Visa cards within 15 minutes.
• MasterCardcoreTechnology or IntegrationMasterCard and Maestro cards accepted for loan disbursement with processing times of 15-20 minutes for standard cards.
• MIR (National Payment Card System)coreTechnology or IntegrationRussian national payment system MIR cards accepted for loan disbursements.
• QIWIcoreTechnology or IntegrationQIWI electronic wallet accepted as loan disbursement method, enabling instant fund transfers to e-wallets.
• Yandex.Money (YooMoney)coreTechnology or IntegrationYandex.Money electronic wallet service supported for loan disbursements.
• Gosuslugi (State Services Portal)coreTechnology or IntegrationIntegration with Russian government services portal for identity verification and streamlined registration process.
• SRO Mir (Self-Regulatory Organization Mikrofinasirovanie i Razvitie)coreOthersCompany is a member of SRO Mir, a self-regulatory organization for microfinance institutions. Membership number 61 001175.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MigCredit (МигКредит): One of the larger Russian MFOs, offering online microloans up to 100,000 rubles with terms from a few days to a year. Comparable in ticket size, target borrower, and online origination model.
• Srochno Dengi (СРОЧНО ДЕНЬГИ): Established Russian MFO with both online and offline channels, offering short-term consumer loans of similar size and term to One Click Money. Directly comparable on product, customer segment, and regulatory status (CBR-registered).
• Webbankir: Fully online Russian MFO with iOS/Android apps, automated decisions, and similar ticket sizes to One Click Money. Operates in the exact same niche — small, fast, online microloans to underbanked borrowers.
• Zaymer (ZAIMER): One of Russia's largest online MFOs offering 1,000-100,000 ruble microloans with automated 24/7 decisions and card/e-wallet disbursement. Directly comparable on product design, target borrower (subprime, unbanked), and digital-only GTM.
• Lime (Lime7 / Лайм-Займ): Online Russian MFO with mobile-first onboarding, automated decisions, and similar small-ticket, short-term loan products. Comparable in product design, borrower profile, and digital acquisition.
• MoneyMan (ID Finance): Online microfinance platform in Russia offering instant decisions on small-ticket consumer loans via web and mobile. Closely matches One Click Money on product, ticket size, customer segment, and automated underwriting.
• eKapusta: Russian online microloan service with automated approval, 24/7 operation, and disbursement to cards and e-wallets. Directly comparable on product economics, customer profile, and digital GTM.
• Vivus (Vivus.ru): Russian online MFO providing short-term loans of a few thousand to ~100,000 rubles with 1-minute decisions and 24/7 disbursement. Same product, same subprime target, and same digital-only operating model.

Broad incumbents

• Tinkoff Bank: Russia's leading digital bank, already a One Click Money partner. While not a direct MFO competitor, Tinkoff's consumer lending products and Tinkoff ID infrastructure overlap with the same borrower pool and could expand into microloans, constraining the niche.
• Sberbank: Russia's largest bank, listed as a One Click Money self-employment partner. Its dominant retail lending franchise and digital channels (SberBank Online) place it adjacent to — and capable of entering — the small-ticket online credit space One Click Money targets.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Oneclickmoney

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 One Click Money