Brainysoft
Brainysoft provides a cloud-based credit-conveyor platform that automates the full lending lifecycle — application, scoring, disbursement, servicing, and repayment — for Russian financial institutions including microfinance organizations, banks, credit cooperatives, pawnshops, leasing companies, and BNPL marketplaces.
- Company typePrivate
- Founded2013
- HeadquartersSkolkovo, Russia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Brainysoft does
Brainysoft is a Russian limited liability company (OOO BreyNiSoft) founded in 2013 that operates a cloud-based credit-conveyor platform for lending institutions. The platform automates the end-to-end loan lifecycle — lead generation, application intake, borrower identification, OCR-based document capture, fraud and AML screening, credit scoring through a configurable Decision Making System, contract signing, disbursement, servicing, and repayment accounting — and is consumed primarily by microfinance organizations (MFO/MKK/MFK), banks, credit cooperatives, pawnshops (lombards), leasing companies, and BNPL-operating marketplaces in Russia, with a representative office in Kazakhstan.
The technology stack is a multi-tenant, microservice-based SaaS separated into a core layer (business logic and calculation engines), peripheral services, and gateway services for external system integration, all exposed via a documented REST/JSON HTTP API. Native integrations include Russian credit bureaus (NBKI, Equifax), scoring services (Scorista, JuicyScore), government databases (Rosfinmonitoring, FMS, FSSP, SMEV/ESIA, Gosuslugi), phone-reputation services (Numbuster, GetContact), and 20+ payment systems including SBP (System of Fast Payments) via NSPK. The platform is registered in the Russian Domestic Software Registry (entry No. 14382) under the Ministry of Digital Development's order dated August 3, 2022.
The business model combines multi-tier SaaS pricing (from 49,500₽/month for a Standard tier to a revenue-share tier at 2.5%-1.2% of client revenue for Corporate SaaS), on-premise perpetual licensing (from 12,900,000₽) plus annual update subscriptions, payment-gateway processing fees, and consulting/implementation services. Go-to-market is sales-led (30-60 minute video demonstrations via Skype/Viber with a dedicated account manager), reinforced by channel partnerships with financial CPA networks (GuruLeads, LEADS, AdSpire and ~17 others) and self-service demo access at demo-saas.brainysoft.tech. The company is founder/management-owned, has no publicly disclosed institutional funding, and operates from a single headquarters inside Moscow's Skolkovo Innovation Center.
Brainysoft firmographics
Firmographics- Name
- Brainysoft
- Legal name
- Obshchestvo s ogranichennoy otvetstvennostyu "BreyNiSoft" (ООО «БрейниСофт»)
- Website
- https://brainysoft.ru
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Brainysoft provides a cloud-based credit-conveyor platform that automates the full lending lifecycle — application, scoring, disbursement, servicing, and repayment — for Russian financial institutions including microfinance organizations, banks, credit cooperatives, pawnshops, leasing companies, and BNPL marketplaces.
- Ownership category
- akta.pro rank
Brainysoft industry classification
Industry- Product category
- Lending and Credit Processing Software
- NAICS
- Other Activities Related to Credit Intermediation (522390)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)
- akta.pro secondary industries
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)
Keywords
Where Brainysoft is headquartered
LocationHeadquarters
- HQ city
- Skolkovo
- HQ country
- Russia
- HQ region
- Europe
Offices1 record
Markets served
Brainysoft business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- SaaS Subscription - Monthly Rental: Monthly subscription for cloud-hosted software. Price varies by number of users and package type. Includes minor and major updates and server maintenance.
- Revenue Share: Monthly commission calculated as percentage of actual revenue received. Number of users is not limited in this model.
- On-Site License - Limited One-Time Purchase: One-time payment for current major version installed on customer server. Free minor updates for first year, then annual renewal fee required to maintain updates.
- On-Site License - Full Purchase: Annual subscription for all updates (minor and major) on customer-deployed server version.
- Payment Gateway Processing Fee: Monthly fee for payment gateway maintenance. Some providers (Tinkoff Bank, Best2Pay) may have different fee structures.
- Consulting and Implementation Services: System setup, integration with external services, customization, testing, and ongoing support/monitoring services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | SaaS Cloud - Standard (49,500₽/month) |
| Hybrid | Monthly | SaaS Corporate - Revenue Share (2.5% to 1.2%) |
| One time/ perpetual license | Multi-year contract | On-Site Annual (from 12,900,000₽) |
| Subscription | Annual | On-Site Universal (from 12,900,000₽) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels9 records
Brainysoft product offering
Product offeringCore offering
Brainysoft develops and sells a cloud-based credit conveyor platform that automates the full lending lifecycle for Russian financial institutions—microfinance organizations (MFO/MKK/MFK), banks, credit cooperatives, leasing companies, pawnshops, and marketplaces offering BNPL. The platform covers lead generation, application intake, KYC/identification, document OCR, scoring via a configurable Decision Making System, fraud and AML/CFT checks, contract signing, disbursement, loan accounting with 1C integration, repayment processing, and repeat lending analytics. It is offered via SaaS (subscription or revenue share) and on-premise licensing and is included in Russia's Domestic Software Registry (No. 14382).
Product overview
Brainysoft offers a cloud-based credit conveyor platform with modular architecture for financial organizations. The core platform (Credit Conveyor) handles the complete lending lifecycle from lead generation, loan applications, scoring, decision-making, disbursement, and loan accounting to repayment. Key integrated modules include the Borrower's Personal Account (branded client portal), Decision-Making System (configurable scoring/verification rules), BNPL Service for buy-now-pay-later schemes, Credit Lines with POS lending, Credit Product Constructor for product configuration, Payment Gateway with SBP integration, Lead Generation with CPA network connections, SMS/Email Notifications, Analytics Module, and 1C Integration Plugin. The platform supports SaaS (monthly subscription or revenue share) and on-premise deployment models.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Conveyor (Кредитный конвейер Brainysoft) Cloud-based credit conveyor platform performing end-to-end loan lifecycle functions from application intake, scoring, disbursement, and servicing to repayment and repeat issuances. Designed for banks, MFO/MKK/MFK, credit cooperatives, leasing companies, pawnshops, and marketplace lending platforms in Russia and CIS.
- BNPL Service (Buy Now Pay Later) Buy Now Pay Later service enabling online purchase payments in equal installments over a short period without a traditional credit agreement or additional commissions. Platform adapted for BNPL schemes with marketplaces and retail chains.
- Borrower's Personal Account (Личный кабинет заемщика) Branded customer portal for loan applications, document uploads, loan agreement signing, disbursement receipt selection, and repayment. Customizable to the client's brandbook with authentication via SMS, SMEV/UPID, or Gosuslugi (State Services).
Quantifiable outcome
- 1,000,000+ contracts processed per hour
- +2 more outcomes
Companies that use Brainysoft
Customer profileSegments7 records
Ideal customer profiles3 records
Brainysoft technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration26 records
AI capability5 records
Feature8 records
Brainysoft partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, major, minor and strategic.
- DaDatacoreDaData.ru service for automatic validation and correction of contact data (names, addresses, phones, emails, passports). Provides JavaScript widget and API for address, name, organization, and bank details autocomplete during data entry.
- DbraincoreAI-powered document recognition service for automatic extraction of borrower document photos. Recognized digital data is transmitted directly into the loan application via artificial intelligence.
- Best2PaycorePayment gateway partner for processing loan disbursements and repayments. Contact: Dmitriy Kuzmin, Head of Alternative Financial Organizations Development, +7 (952) 358-96-13, [email protected].
- Tinkoff BankcorePayment processing partner for loan disbursements and repayments. Exempted from monthly payment gateway maintenance fee. Works with SBP (Faster Payments System).
- GuruLeadsmajorFinancial CPA network providing reliable traffic sources and flexible partnership conditions. Recommended for startups. Contact: Maria, GuruLeads manager, +7 (963) 663-79-84.
- LEADSmajorDirect intermediary between MFO and webmasters. Single contract covers all webmasters. Recommended for startups. Contact: Evgeny, LEADS manager, +7 (985) 551-43-55.
- AdSpiremajorAggregator of multiple lead generators. Separate contracts with each lead generator plus monthly technical support contract with AdSpire. For experienced users. Contact: Maria, AdSpire manager, +7 (925) 550-09-85.
- SBP (Faster Payments System) / NSPKcoreDeveloped by Bank of Russia and NSPK (National Payment Card System). Enables interbank transfers by phone number for loan disbursement and repayment including recurring payments.
- CPA Networks (20+)minorAdditional lead generation networks including: leads.su, sravni.ru, banki.ru, cityads.com, beegl.net, advertise.ru, leadgid.com, admitad.com, leadcraft.ru, mastertarget.ru, unicom24.ru, guruleads.ru, saleads.pro, liknot.ru, rubid.su, leadtarget.ru, fin.team, marketcall.ru, rafinad.io, bankiros.ru, finlead.io, generiq.ru.
- Skolkovo FoundationstrategicResearch conducted by LLC Brainysoft with grant support from Skolkovo Foundation. Company headquartered in Skolkovo Innovation Center technology park.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
Brainysoft competitors and assessment
Company assessmentBroad incumbents
- Mambu: Global cloud-native core banking and lending platform. Comparable as a SaaS lending platform serving digital lenders and BNPL/MFO-like customers, but broader in scope and global in reach.
- nCino: Cloud-based bank operating system including commercial and consumer loan origination. Comparable as a configurable credit-decisioning and loan workflow platform, though focused on Western markets.
- Oracle Financial Services: Global banking technology suite (including loan origination, decisioning, and Basel/IFRS9 provisioning). Comparable as a regulated-credit technology provider at the enterprise end of the market.
- Upstart: AI-driven consumer lending platform with proprietary underwriting models. Comparable as a credit-decisioning platform, but operates as a lender rather than a software vendor like Brainysoft.
- FIS (Fidelity National Information Services): Large global financial-technology vendor with loan origination, servicing, and decisioning products. Comparable as a broad incumbent offering overlapping credit-conveyor functionality to banks and lenders.
Direct peers
- R-Style Softlab: Russian banking software vendor offering loan origination and core banking solutions. Competes with Brainysoft for credit-conveyor and loan-portfolio automation deals at Russian banks and financial institutions.
- Diasoft: Russian vendor of banking and lending software (Flextera product line) used by Russian banks and MFOs. Directly comparable as a domestic credit-and-deposit banking software provider, competing for similar regulated financial institution customers.
- BSS (Business Systems and Solutions): Russian banking software company providing loan origination, factoring, and credit-conveyor platforms to banks and MFOs. Closely comparable in target customers, regulatory scope, and product focus.
Others
- T-Bank (Tinkoff): Major Russian digital bank with proprietary lending and BNPL infrastructure. Relevant ecosystem participant that competes for the same end-borrower relationships and sets technical benchmark for Russian lending UX.
- 1C-Fresh / 1C-Bitrix: Russian accounting and business-application ecosystem. Brainysoft ships a 1C integration plugin, making 1C an adjacent partner enabling book-keeping synchronization for MFOs and banks.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Brainysoft social profiles
Digital presenceBrainysoft compliance and trust
Trust signalCompliance3 records
Brainysoft financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brainysoft leadership team
Management profileNumber of profiles
Profiles3 records
Brainysoft subsidiaries and ownership
Company hierarchySubsidiaries1 record
Brainysoft funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brainysoft M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Brainysoft
What does Brainysoft do?
Brainysoft develops and sells a cloud-based credit conveyor platform that automates the full lending lifecycle for Russian financial institutions—microfinance organizations (MFO/MKK/MFK), banks, credit cooperatives, leasing companies, pawnshops, and marketplaces offering BNPL. The platform covers lead generation, application intake, KYC/identification, document OCR, scoring via a configurable Decision Making System, fraud and AML/CFT checks, contract signing, disbursement, loan accounting with 1C integration, repayment processing, and repeat lending analytics. It is offered via SaaS (subscription or revenue share) and on-premise licensing and is included in Russia's Domestic Software Registry (No. 14382).
Is Brainysoft a public or private company?
Brainysoft is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Brainysoft founded?
Brainysoft was founded in 2013. It employs 11 to 50 people.
Where is Brainysoft based?
Brainysoft is headquartered in Skolkovo, Russia, in the Europe region.
How does Brainysoft make money?
Six revenue lines are on record. SaaS Subscription - Monthly Rental is the primary driver. The others are revenue Share, on-Site License - Limited One-Time Purchase, on-Site License - Full Purchase, payment Gateway Processing Fee and consulting and Implementation Services.
Who are Brainysoft's main competitors?
Broad incumbents on record are Mambu, nCino, Oracle Financial Services, Upstart and FIS (Fidelity National Information Services). Direct peers are R-Style Softlab, Diasoft and BSS (Business Systems and Solutions). Others are T-Bank (Tinkoff) and 1C-Fresh / 1C-Bitrix.
Does Brainysoft have an API?
Yes. All backend functionality is accessible through HTTP-API (REST/JSON). Client applications work with backend services only through API. External service integration is implemented through gateway services. The DEDICATED API handles incoming HTTP requests for external integrations (e.g., payment systems). Developer documentation is at docs.brainysoft.ru/en/developers.
What industry is Brainysoft in?
Brainysoft's product category is Lending and Credit Processing Software. Its primary akta.pro industry code is FSAGAIAD, BNPL Underwriting & Credit Decisioning Platforms, with a secondary code of BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms. Its NAICS code is 522390 and its SIC code is 7372.