Yubi
“Can a debt-marketplace become the AI-powered operating system for the entire credit lifecycle across emerging markets?”
Founded2020
HQChennai, Tamil Nadu, India
Latest roundLater Stage VC, 2026 (~$46.4M / INR 411 Cr)
IndustryInfrastructure / Lending
The story
Founded 2020 as CredAvenue, a debt marketplace connecting Indian enterprises with lenders. Rebranded to Yubi in 2022 to signal a broader 'ubiquitous' positioning across the debt lifecycle — origination (Yubi Credit Market, Yubi DLP), co-lending (Yubi Co.lend), securitisation (Yubi Pools), supply chain finance (YubiFlow), collections (YuCollect / Spocto X), risk (Accumn), and AI infrastructure (YuVerse). The 2026 fundraise marks a pivot from India-only to a global posture as an AI-powered OS for financial services.
Product timeline
2020
Founded as CredAvenue, a debt marketplace connecting borrowers and lenders.· pivot
2022
Rebranded from CredAvenue to Yubi.· pivot
2024
Expanded product suite across YuVerse (AI), Spocto X, YuCollect, Aspero, Accumn.· banking
2026
Raised INR 411 Cr to expand overseas.· banking
The stack
1 layer disclosed in Yubi’s embedded-finance stack
Lending
Yubi Credit Market (enterprise credit marketplace)Yubi DLP (Digital Lending Platform — partnership lending)Yubi Co.lend (co-lending marketplace)Yubi Pools (securitisation / ABS)YubiFlow (supply chain finance)Corporate Lending platformYubi MarketsAspero (debt investment platform)
Accounting gap: none