What Platiza does

Platiza is the consumer-facing brand of OOO MKK "Mani Men" (Limited Liability Company Microcredit Company "Mani Men"), a Moscow-licensed online microfinance company founded in 2011 and registered in the Bank of Russia's microfinance organization registry (number 651203045001237) since March 2012. The company provides 100% digital short-term and installment microloans to Russian citizens aged 18-65, with loan amounts ranging from 1,000 to 100,000 RUB and terms up to 1,800 days. Its core product is a self-serve online lending platform accessible via platiza.ru and native mobile applications on iOS, Android, and RuStore, supported by a proprietary automated scoring engine that delivers credit decisions in approximately one minute, 24/7. The platform integrates Gosuslugi (Russian government services portal) for identity verification — claimed 98% approval rate — along with credit bureau data from NBKI, OKB, and BKI SB, telecom-based scoring from MegaFon OneFactor, and device-fingerprint fraud detection from JuicyScore; loan contracts are signed electronically via SMS code or Flash Call, and funds are disbursed instantly to bank cards, Svoi Bank virtual cards, or virtual wallets.

The business model is transaction-based: revenue is generated primarily from interest on microloans at up to 0.8% per day (annualized 280.65%-292% APR), with ancillary income from late-payment penalties (capped at 0.1% per day), optional life and health insurance, payment protection, and a paid credit-rating service. First-time borrowers are offered 0% interest loans up to 30,000 RUB for 5-21 day terms to drive acquisition; a "Bring a Friend" referral program (December 2025 - May 2027) pays 2,299 RUB per successful referral. Distribution is fully digital — website, mobile apps, VK, Telegram, MAX messenger, and content marketing — with no physical branches. Platiza is a member of SRO "MiR" (since July 2013) and operates under Federal Laws 151-FZ and 545-FZ, including the 100%-of-principal interest cap effective April 1, 2026, which materially compresses unit economics. The legal entity is affiliated with the larger Moneyman group (ООО МФК «Мани Мен»), sharing management and back-office infrastructure.

Name

Platiza

Legal name

Общество с ограниченной ответственностью Микрокредитная компания «Мани Мен»

Website

https://platiza.ru

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Platiza is a Moscow-based, Bank of Russia-licensed online microfinance company offering 100% digital short-term and installment loans (1,000-100,000 RUB, up to 1,800 days) to Russian individual borrowers via website and mobile app, with automated one-minute scoring and instant card disbursement.

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Short-Term Loan Servicing & Collections (Payday/Title) (FSAKAMAO)

Keywords

• Online microloans
• Payday lending
• Consumer microfinance
• Short-term loans
• Online lending platform

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Microloan Interest and Fees: Primary revenue from interest charged on microloans. Standard rate up to 0.8% per day (292% annual rate). First loans offered at 0% for new customers within grace period. Additional revenue from late payment penalties (up to 0.1% per day) and ancillary services such as credit rating reports and insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Platiza is an online microfinance service operated by ООО МКК «Мани Мен» that issues short-term consumer microloans ranging from 1,000 to 100,000 RUB with terms up to 1,800 days. The entire process is conducted online through platiza.ru and native mobile apps (iOS, Android, RuStore), using a proprietary 24/7 automated scoring system that delivers credit decisions in approximately one minute and disburses funds instantly to bank cards. First-time borrowers receive a 0% interest loan of up to 30,000 RUB with a 5-21 day grace period.

Product overview

Platiza is an online microfinance company (MKK Moneyman, LLC) offering instant consumer loans entirely online. The core product is an online microloan platform accessible via website and mobile app (iOS, Android, RuStore) where borrowers can apply for loans from 1,000 to 100,000 rubles with terms up to 1,800 days. First-time borrowers receive 0% interest on loans up to 30,000 rubles with 5-21 day terms. The platform features an automated 24/7 scoring system that delivers credit decisions in approximately 1 minute. Supplementary services include a credit rating service for customers to check their creditworthiness, virtual prepaid card disbursements via Svoi Bank, loan prolongation options, and optional life/health insurance. Promotional offerings include the ZERO first-loan promotion and a referral program (Bring a Friend) for existing customers.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Loan decision in ~1 minute
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability5 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• SRO 'MiR' (Self-Regulatory Organization 'MiR')coreOthers · 25 July 2013Self-regulatory organization in the financial market field uniting microfinance organizations. Platiza has been a member since July 25, 2013. SRO establishes industry standards and ensures compliance.
• Bank of RussiacoreOthers · 15 March 2012Regulatory oversight and licensing. Platiza is registered in the state registry of microfinance organizations under number 651203045001237. Subject to Central Bank regulations including interest caps and consumer protection standards.
• AO 'NBKI' (National Bureau of Credit Histories)coreTechnology or IntegrationCredit history exchange. Platiza transmits borrower data and receives credit reports in accordance with Federal Law No. 218-FZ 'On Credit Histories'. Uses scoring methodologies for risk assessment.
• AO 'OKB' (Credit History Bureau)coreTechnology or IntegrationCredit history data exchange and credit report access for loan decisioning and risk assessment.
• AO 'BKI SB' (Scoring Bureau Credit History)coreTechnology or IntegrationCredit history bureau providing scoring services and analytics for loan risk evaluation.
• OOO PKO 'KEF' (Debt Collection)minorOthersThird-party debt collection agency for recovering overdue loan repayments.
• OOO PKO 'Everest' (Debt Collection)minorOthersDebt collection services for overdue loan recovery.
• OOO PKO NSV (Debt Collection)minorOthersDebt collection agency for recovering overdue loan debts.
• AO PKO 'FASP' (Debt Collection)minorOthersDebt collection services for handling overdue loan portfolios.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MigOne (Migcredit / OOO MKK 'MigCredit'): Russian online MFO providing microloans via mobile app with instant decisions, operating under the same Bank of Russia MFO registry framework and targeting the same near-payday borrower segment as Platiza.
• Kredito24 (OOO MKK 'Kredito24'): Russian online MFO (part of the Kreditech group) offering automated instant consumer microloans via web and mobile, comparable in target customer, product structure, and digital go-to-market.
• Ezaem (OOO MKK 'Akademia'): Online MFO offering instant payday and short-term loans to Russian consumers with similar 0% first-loan promos and mobile-app-driven distribution, directly overlapping Platiza's target segments.
• LIME (OOO MKK 'Lime'): Online Russian microfinance company providing automated short-term consumer loans with first-loan promotions, directly comparable in product design, regulatory classification, and customer acquisition model.
• Vivus (OOO MKK '4Finance'): Online Russian microloan provider offering short-term consumer loans with automated decisioning - overlapping Platiza on customer profile, ticket size, and digital-first onboarding flow.
• Zaymer (ZAO Zaymer): Major Russian online microfinance company registered with the Bank of Russia, competing head-to-head with Platiza in short-term, fully automated consumer microloans via web and mobile channels.
• Webbankir (OOO MKK 'Webbankir'): Online-only Russian microfinance company providing automated 24/7 consumer microloans with smartphone-based onboarding, closely comparable in operating model to Platiza.
• Moneyman (OOO MFK 'Mani Men'): Sister brand under the same parent group (OOO MFK 'Mani Men' / Mani Men), offering online microloans to Russian consumers with similar product mechanics, regulatory standing, and digital distribution - the most direct internal comparable to Platiza.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/platizaru
• Facebookfacebook.com/platiza

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors4 records

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 Platiza