Denum Tech
DenumTech is a Moscow-based Russian B2B fintech software vendor that licenses DenumHub, an API-based credit application aggregation platform connecting banks, MFOs, and merchants, alongside a BNPL product and a migrant job portal. The company serves Russian financial institutions and microfinance organizations under licensing and custom development contracts.
- Company typePrivate
- Founded-
- HeadquartersMoscow, Russia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Denum Tech does
DenumTech (legal entity: ООО ДЕНУМ ТЕХ, OGRN 1227700213113) is a Moscow-headquartered Russian B2B fintech software provider operating as the IT center of the Denum group of companies. The company builds and licenses DenumHub, an API-based credit application aggregation and distribution platform that connects banks, microfinance organizations (MFOs), and merchants under a single contract, enabling end-to-end issuance of credits and loans to end consumers. Beyond DenumHub, DenumTech operates two additional products: Denum Pay Installments (Денум Плати частями), a buy-now-pay-later add-on module, and TezWork, a web portal connecting verified employers with migrant job seekers. The company is a Skolkovo Innovation Center resident, holds Russian IT company state accreditation (registry #26883), and has registered Denum Hub in the unified Russian register of computer programs and databases (Record No. 27172, dated 19.03.2025).
The underlying technology stack spans Golang, Scala, Django, C#/.NET Core on the backend; React, Vue.js, and TypeScript on the frontend; gRPC, GraphQL, Kafka, RabbitMQ, Kraken D, and MinIO for messaging and storage; PostgreSQL, Oracle, MongoDB, GreenPlum, and ClickHouse for data; and Ansible, Terraform, GitLab CI/CD, Helm, Kubernetes, and Docker for DevOps — positioning DenumTech as a high-load systems integrator rather than a pure SaaS vendor. Core capabilities marketed include AI integration into fintech workflows, big data processing and analytics, high-load system development, and integration/interoperability engineering.
The revenue model combines software licensing of DenumHub to brokers and creditors under licensing agreements with custom software development and IT services engagements quoted on a project basis via [email protected]. GTM is sales-led and direct, supplemented by partnership referrals and Skolkovo ecosystem networking, serving primary vertical segments of Russian financial institutions, microfinance organizations, and payment/credit-processing companies. The company employs approximately 25 people, has over 10 years of stated fintech experience, and operates exclusively in the Russian market with no disclosed international footprint.
Denum Tech firmographics
Firmographics- Name
- Denum Tech
- Legal name
- Obshchestvo s Ogranichennoy Otvetstvennostyu DENUM TEKH (ООО ДЕНУМ ТЕХ)
- Website
- https://denumtech.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- DenumTech is a Moscow-based Russian B2B fintech software vendor that licenses DenumHub, an API-based credit application aggregation platform connecting banks, MFOs, and merchants, alongside a BNPL product and a migrant job portal. The company serves Russian financial institutions and microfinance organizations under licensing and custom development contracts.
- Ownership category
- akta.pro rank
Denum Tech industry classification
Industry- Product category
- Fintech Lending Software
- NAICS
- Software Publishers (513210), Custom Computer Programming Services (541511)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)
- akta.pro primary industry
- Data Virtualization & Federation (HDAEACAH)
- akta.pro secondary industry
- Managed Application Platforms (App PaaS & Runtime Services) (HDABAAAD)
Keywords
Where Denum Tech is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices1 record
Markets served
Denum Tech business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Licensing: DenumTech licenses its Denum Hub software to partners (Brokers and Creditors) under licensing agreements. This provides recurring revenue through licensing contracts for the use of their proprietary credit aggregation platform.
- Software Development Services: Custom software development and IT services including design, development, updating, modification of computer programs and databases, as well as technical support services.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Denum Tech product offering
Product offeringCore offering
Denum Tech develops and licenses the Denum Hub (Денум Хаб) software platform, an API-based system for aggregating and distributing credit applications that links banks, MFOs, and sellers to enable end-to-end issuance of credits and loans to end consumers under a single contract. The company also delivers custom software development and IT services to financial institutions, and operates complementary offerings including the TezWork migrant job portal and the Denum Pay Installments BNPL service.
Product overview
DenumTech offers a platform-plus-modules architecture centered on DenumHub as the core product. DenumHub is an innovative credit aggregation and distribution system that serves as a central hub connecting banks, MFOs, and sellers, enabling end-to-end credit and loan issuance processes via API. Complementing the core platform are add-on services including Denum Плати частями (BNPL functionality) and the standalone TezWork web portal for migrant employment services.
Differentiator
Problem solved
Functional benefit
Brands
- DenumHub: Innovative system for aggregating and distributing credit applications connecting banks, MFOs, and sellers, providing end-to-end process for issuing loans to consumers
- TezWork
- Denum Plati chastyami
Products and services
- Denum Hub (Денум Хаб) Innovative API-based system for aggregating and distributing credit applications that links banks, MFOs, and sellers, providing an end-to-end process for issuing credits and loans to end consumers under a single contract with DenumTech. Licensed to brokers and creditors under licensing agreements.
- TezWork
Quantifiable outcome
- 10+ years of fintech experience serving major financial organizations
- +1 more outcomes
Companies that use Denum Tech
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Denum Tech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Denum Tech partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- MigCredit (МигКредит)coreMigCredit is a microfinance organization that has been providing online loans to Russian citizens for over 10 years. As a client of DenumTech, they benefit from fintech solutions and potentially integrate with the DenumHub platform for credit processing.
- WebbankirminorListed as a partner in the DenumTech partner ecosystem. Webbankir is an online lending platform operating in the Russian fintech market.
- MTS (МТС)minorMTS, a major Russian telecommunications operator, is listed as a partner of DenumTech, suggesting potential collaboration in fintech services or digital transformation initiatives.
- LimeminorLime is listed as a partner, indicating collaboration in the fintech ecosystem. Lime is known for its microfinance and online lending services in Russia.
- MoneymanminorMoneyman is listed as a partner in the DenumTech ecosystem. Moneyman is a Russian P2P lending and microfinance platform.
- Denum Плати частями (Pay in Parts)coreDenum Pay Installments is a BNPL (Buy Now Pay Later) product that allows customers to receive orders immediately and pay in equal installments without additional commissions or overpayments. It operates as part of the DenumTech ecosystem and is integrated with the DenumHub platform.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Denum Tech competitors and assessment
Company assessmentDirect peers
- Banki.ru: Major Russian financial-services portal aggregating banking, lending, and insurance products. Comparable in aggregating lender offerings and channeling consumer credit demand.
- Lime: Russian online microfinance organization and technology-forward lender listed as a DenumTech partner. Operates in the same MFO/online-lending ecosystem and consumes similar credit-aggregation and processing infrastructure.
- MigCredit: Russian microfinance organization with 10+ years of online lending history and a named DenumTech client/partner. Highly comparable end-market and product overlap.
- Webbankir: Russian online lending platform and listed DenumTech partner. Both companies serve overlapping MFO and consumer-credit customers with software-enabled loan origination.
- Moneyman: Russian P2P-style online microfinance platform and listed DenumTech partner. Comparable as a Russian fintech lender operating in the same regulatory and customer segment.
- JetLend: Russian fintech P2B lending platform connecting investors with SME borrowers. Comparable as a technology-driven lending platform targeting Russian financial intermediaries.
- Sravni.ru: Russia's leading financial product comparison and aggregator portal. Comparable as a marketplace that aggregates credit offers from multiple Russian lenders for end consumers.
Broad incumbents
- T-Bank (Tinkoff): Largest digital-only bank in Russia with proprietary credit, payments, and BNPL products. Operates broadly in the same fintech space and could in-source aggregation, but is far larger and serves retail consumers directly.
- Yandex: Russian technology incumbent with broad fintech, payments, and advertising offerings (Yandex Pay, Yandex Market). Overlaps as a broad infrastructure and marketplace player in Russian digital finance.
Emerging players
- Klarna: Global BNPL leader comparable to Denum Pay Installments' product functionality. Useful as an international benchmark for BNPL economics, even though Klarna is not a direct competitor in the Russian market.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Denum Tech social profiles
Digital presenceDenum Tech compliance and trust
Trust signalCompliance3 records
Denum Tech financial estimates
Financial estimateRevenue estimate
Valuation estimate
Denum Tech leadership team
Management profileNumber of profiles
Denum Tech funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Denum Tech 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 Denum Tech
What does Denum Tech do?
Denum Tech develops and licenses the Denum Hub (Денум Хаб) software platform, an API-based system for aggregating and distributing credit applications that links banks, MFOs, and sellers to enable end-to-end issuance of credits and loans to end consumers under a single contract. The company also delivers custom software development and IT services to financial institutions, and operates complementary offerings including the TezWork migrant job portal and the Denum Pay Installments BNPL service.
Is Denum Tech a public or private company?
Denum Tech is a private company. It is classified as unknown and is currently operating.
When was Denum Tech founded?
Denum Tech was founded in -1. It employs 11 to 50 people.
Where is Denum Tech based?
Denum Tech is headquartered in Moscow, Russia, in the Europe region.
How does Denum Tech make money?
Two revenue lines are on record. Software Licensing is the primary driver. The others are software Development Services.
Who are Denum Tech's main competitors?
Direct peers on record are Banki.ru, Lime, MigCredit, Webbankir, Moneyman, JetLend and Sravni.ru. Broad incumbents are T-Bank (Tinkoff) and Yandex. Klarna is listed as an emerging player.
Does Denum Tech have an API?
No public API is recorded for Denum Tech.
What industry is Denum Tech in?
Denum Tech's product category is Fintech Lending Software. Its primary akta.pro industry code is HDAEACAH, Data Virtualization & Federation, with a secondary code of HDABAAAD, Managed Application Platforms (App PaaS & Runtime Services). Its NAICS code is 513210 and its SIC code is 7372.