GreenMoney
- Company typePrivate
- Founded2015
- HeadquartersKemerovo, Russia
- Headcount101–250
- GTM typeB2C
- OfferingServices
GreenMoney firmographics
Firmographics- Name
- GreenMoney
- Legal name
- Общество с ограниченной ответственностью Микрокредитная компания «Стабильные финансы»
- Website
- https://greenmoney.ru
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
GreenMoney industry classification
Industry- Product category
- Consumer Microfinance / Online Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Overdraft & NSF Fee-Based Short-Term Credit (FSAKAMAF)
Keywords
Where GreenMoney is headquartered
LocationHeadquarters
- HQ city
- Kemerovo
- HQ country
- Russia
- HQ region
- Europe
Offices3 records
Markets served
GreenMoney business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Interest Income on Loans: GreenMoney's primary revenue stream is interest charged on microloans. First-time borrowers receive a 0% interest loan (up to 30,000 RUB for 7-21 days) as a customer acquisition tool. All subsequent tranches carry a fixed daily interest rate of 0.8% per day (equivalent to approximately 292% per annum). Interest is calculated daily on the outstanding principal for the actual number of days the funds are used. The company also charges penalty interest of up to 20% per annum on overdue amounts. No late fees beyond penalty interest are mentioned.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | First loan (new customers) — 0% interest |
| Usage-based | Pay-as-you-go | Short-term loan (up to 30 days, single payment) |
| Usage-based | Pay-as-you-go | Extended loan (up to 80,000 RUB, 168 days) |
| Usage-based | Pay-as-you-go | Long-term loan (up to 100,000 RUB, 364 days) |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
GreenMoney product offering
Product offeringCore offering
GreenMoney provides short-term online consumer microloans (3,000–100,000 RUB) disbursed directly to Russian bank cards, available 24/7 via web and mobile app with automated approval in ~15 minutes. The service is built on a proprietary scoring system that approves borrowers with poor or thin credit, and uses a revolving credit line structure so returning borrowers receive additional tranches without re-signing a new agreement. New customers receive their first loan at 0% interest (up to 30,000 RUB for 7–21 days), and a gamified "Money Tree" loyalty program rewards engagement with Greencoins redeemable for loan repayment credits.
Product overview
GreenMoney is an online microfinance platform operated by ООО МКК «СФ» (Stable Finance MKK LLC), offering short-term consumer loans disbursed to bank cards. The core product is the online loan to card (Онлайн займы на карту), which is available as individual microloans and as a revolving credit line (Кредитная линия) where one master agreement covers multiple loan tranches. New customers receive a fee-free first loan under the «Первый заём под 0%» promotion. The service is accessed via a web portal (Личный кабинет) and native mobile apps for iOS and Android, with a gamification layer ("Дерево Гринмани") embedded in the mobile app. A special credit relief program (Кредитные каникулы) is available for military operation participants.
Differentiator
Problem solved
Functional benefit
Brands
- Денежное Дерево (Digital Asset Game): Mini-game within the GreenMoney app where users grow a digital 'Money Tree' to earn GreenCoins (GC) redeemable for bonuses such as loan write-offs and balance withdrawals.
Products and services
- Online Loans to Card (Онлайн займы на карту) Short-term online consumer microloans (3,000 to 100,000 RUB) disbursed directly to the borrower's Russian bank card, with terms from 7 to 364 days and daily interest rates of 0% to 0.8%. Designed for individual Russian borrowers aged 18–65 needing fast, fully-online short-term cash with no income proof or guarantors required.
- Credit Line (Кредитная линия) A revolving credit line where the borrower signs a single long-term agreement and receives loan tranches (транши) within an approved limit. Each new draw is a tranche of the same contract rather than a separate loan, allowing returning borrowers to access additional funds without re-signing and growing their limit with on-time repayment.
- First Loan at 0% (Первый заём под 0%) Promotional product for new customers offering a fee-free first loan of 3,000–30,000 RUB for 7 to 21 days at 0% interest, with no interest or fees charged if repaid within the promotional period. Used as the primary customer acquisition hook.
- GreenMoney Mobile App (Мобильное приложение ГринМани) Native mobile applications for iOS and Android (also on RuStore, AppGallery, Galaxy Store, GetApps) providing full loan lifecycle management — application, automated approval, disbursement, and repayment — plus access to the gamified "Money Tree" loyalty mini-game. Serves as the primary touchpoint for repeat borrowers.
- Personal Account (Личный кабинет) Web-based and mobile borrower dashboard for managing loan applications, viewing loan status, repaying loans, purchasing loan extensions (пролонгация), and tracking the borrower's current credit limit and internal rating.
- Credit Holidays for SVO Participants (Кредитные каникулы для участников СВО) A special deferral program for participants in the Special Military Operation (СВО) that allows delayed loan payments under defined terms. Available to qualifying borrowers as a regulatory and social support product.
Quantifiable outcome
- Loan disbursement in ~15 minutes after online application
- +3 more outcomes
Companies that use GreenMoney
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
GreenMoney technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
GreenMoney partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
GreenMoney competitors and assessment
Company assessmentDirect peers
- Zaymer: Russian online MFO offering instant microloans to bank cards 24/7, directly comparable to GreenMoney on product (online займ на карту), customer base (thin-file consumers), and digital-only distribution.
- Vivus: Online microfinance lender in Russia providing short-term consumer loans via web and mobile with automated scoring, operating in the same regulatory and competitive space as GreenMoney.
- MoneyMan: One of Russia's largest online microfinance companies, offering short-term online loans to bank cards with similar pricing, term structure, and target borrower segments as GreenMoney.
- Ezaem: Russian online microfinance company offering first-loan-at-zero and repeat-borrower pricing structures, overlapping directly with GreenMoney's acquisition and pricing model.
- Lime (Lime-Zaim): Online MFO providing small short-term consumer loans to Russian bank cards, with similar automation, scoring, and direct-to-consumer digital distribution as GreenMoney.
- MigCredit: Russian online microfinance platform offering installment and short-term consumer loans; overlaps with GreenMoney's longer-tenor (up to 364-day) product set and target borrower profile.
- Webbankir: Online MFO offering short-term consumer loans to bank cards across Russia with a fully digital onboarding flow, comparable in target segment, ticket size, and product mechanics to GreenMoney.
- Platiza: Established Russian online microloan service with similar ticket sizes, repeat-borrower pricing, and fully digital onboarding targeting the same underbanked consumer segment as GreenMoney.
Broad incumbents
- Tinkoff (T-Bank): Large Russian digital bank offering consumer credit products including short-term and installment loans; competes with GreenMoney on the same end-borrower but as part of a much broader financial-services portfolio.
Emerging players
- Cash-U-Mash (Кашира / Быстроденьги): Russian MFO with both online and offline presence offering short-term consumer microloans; partial overlap with GreenMoney on online microloans but also operates physical offices serving a different acquisition channel.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
GreenMoney social profiles
Digital presenceGreenMoney compliance and trust
Trust signalCompliance2 records
GreenMoney financial estimates
Financial estimateRevenue estimate
Valuation estimate
GreenMoney leadership team
Management profileNumber of profiles
Profiles2 records
GreenMoney funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GreenMoney 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 GreenMoney
What does GreenMoney do?
GreenMoney provides short-term online consumer microloans (3,000–100,000 RUB) disbursed directly to Russian bank cards, available 24/7 via web and mobile app with automated approval in ~15 minutes. The service is built on a proprietary scoring system that approves borrowers with poor or thin credit, and uses a revolving credit line structure so returning borrowers receive additional tranches without re-signing a new agreement. New customers receive their first loan at 0% interest (up to 30,000 RUB for 7–21 days), and a gamified "Money Tree" loyalty program rewards engagement with Greencoins redeemable for loan repayment credits.
Is GreenMoney a public or private company?
GreenMoney is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was GreenMoney founded?
GreenMoney was founded in 2015. It employs 101 to 250 people.
Where is GreenMoney based?
GreenMoney is headquartered in Kemerovo, Russia, in the Europe region.
How does GreenMoney make money?
One revenue line is on record: interest Income on Loans.
Who are GreenMoney's main competitors?
Direct peers on record are Zaymer, Vivus, MoneyMan, Ezaem, Lime (Lime-Zaim), MigCredit, Webbankir and Platiza. Tinkoff (T-Bank) is listed as a broad incumbent. Cash-U-Mash (Кашира / Быстроденьги) is listed as an emerging player.
Does GreenMoney have an API?
No public API is recorded for GreenMoney.
What industry is GreenMoney in?
GreenMoney's product category is Consumer Microfinance / Online Lending. Its primary akta.pro industry code is FSAKAMAF, Overdraft & NSF Fee-Based Short-Term Credit. Its NAICS code is 5222 and its SIC code is 6141.