Company verification
All borrowers and lenders pass KYC. An administrator reviews the whole package and states the reason for any rejection.
Security and documents
Every participant verified, every step visible
How we verify companies and deals, who sees your data and what to prepare before registering.
Automatic application screening
The system checks every application: amount, term, purpose and prohibited words. An operator manually reviews only suspicious ones — a company's first application and large amounts — and handles lender reports.
Offer review
The system checks a lender's terms against the application and the market. If the rate differs noticeably from the market, an operator reviews the offer first. The terms are never changed.
Deal confirmation
A deal becomes “Closed” only once the signed contract is uploaded and both sides are verified.
KYC documents
Russia
International
What to prepare before registering
All documents are uploaded as PDF, up to 4 MB each. Any file can be replaced until the package is submitted.
Borrower (Russian company)
- Company charter
- State register (EGRUL) extract
- Director's passport
- Beneficial owners (UBO)
- Director's authority document
Lender (international company)
- Certificate of Incorporation
- Memorandum and Articles
- Register of directors and shareholders
- Beneficial owners (UBO)
- Tax residency certificate
- Proof of source of funds (statements or letter)
Data access
Who sees what
| Data | Your company | The other party | Other participants | Platform staff |
|---|---|---|---|---|
| KYC documents | Yes | No | No | Yes |
| Application: amount, currency, term, purpose | Yes | Yes | Verified lenders only, after an automatic check | Yes |
| Borrower's name | Yes | Yes | Verified lenders | Yes |
| Lender's offer | Yes | Borrower — after an automatic check | No | Yes |
| Deal chat and files | Yes | Accepted lender only | No | Yes |
| Contract | Yes | Accepted lender only | No | Yes |
Timelines
How long the platform takes to respond
48 hKYC document review
24 hmanual application review, if a rule fires
24 hmanual offer review, if a rule fires
Timelines run from submission. Once exceeded, the task is flagged as overdue for staff.
Data protection
How protection works
- Passwords are stored only as bcrypt hashes. Staff never see them.
- The session lives in a protected cookie inaccessible to page scripts and expires automatically.
- Forms are protected against cross-site request forgery (a CSRF token in every form).
- Sign in is locked for 15 minutes after five wrong passwords in a row.
- Files are served only to those with access to the deal or KYC package. There are no public links.
- The history of every action is kept: who published, showed, accepted or confirmed, and when.
The platform is an MVP for the SBER HACK hackathon and is not a financial institution. See the privacy policy and terms of use.
Documents ready?
Registration takes a couple of minutes, verification up to 48 hours.