By Aleksandr Katsuba, Co-Founder, MyCredit
When fintech companies talk about investments, the conversation often gets stuck on the size of the round or the instrument used. In reality, what matters is the strategy behind the capital — and what the company chooses to build with it.
At MyCredit, we raised investment with a specific purpose – to focus on innovation and scale the technology that sits at the core of our platform. Growth on its own was never the objective. In lending, especially in regulated and emerging markets, growth without infrastructure quickly becomes a liability.
Investment into infrastructure is investment into trust
AI in lending is often reduced to buzzwords. In reality, applying machine learning in production requires far more than models. The challenge is building systems that work reliably under regulatory pressure and real-world constraints.
For us, that means investing in:
• alternative data pipelines that work in real time,
• automated decisioning that remains auditable,
• fraud detection that adapts to new patterns,
• compliance tooling that supports regulated markets,
• operational automation so scale doesn’t require endless headcount.
This is exactly where the majority of our investment is being directed: into the digital core that makes lending scalable, explainable, and reliable. These systems are not visible to end users, but they determine whether a fintech platform can operate consistently across markets.
My role in the investment process
As co-founder, I personally led a large part of the investor discussions and made sure the investment story wasn’t about short-term volume, but about long-term platform capability. Investors supported MyCredit because they understood one simple point: technology is the asset that compounds.
If you build infrastructure correctly, every next market launch, every next product integration, every next cohort of users becomes easier and more efficient, and the platform improves over time.
What this enables next
Our focus now is scaling the MyCredit platform across multiple markets, strengthening the AI-driven decision layer, and expanding the compliance and risk infrastructure required for international growth. The goal is to build further our digital fintech product that can operate reliably across geographies — not just a local lender with automation.
Investments are only meaningful when they become real systems. For MyCredit, this capital is about product, technology, and scale — and we’re building with a long horizon.
