A Smarter Way to Borrow and Lend — Peer to Peer.
 

OneKube is a peer-to-peer lending platform connecting everyday people to lend or borrow money directly, without banks. Borrowers can get small loans starting from ₹500, while lenders earn higher returns than traditional savings or FDs. The process is transparent, digital, and secured with AI-powered risk scoring to ensure safety and trust.

We follow the RBI’s NBFC-P2P guidelines. Our goal is to become a fully RBI-registered platform, ensuring maximum transparency for our users.

Your safety is our top priority. Each borrower is verified through Aadhaar, PAN, and bank statement analysis. We also use AI-based credit scoring to predict risk and minimize defaults. In future phases, we’ll integrate lender protection pools and optional insurance for extra security.

Yes! OneKube is built for India’s middle-class and student community. You can start lending or borrowing with as little as ₹500 and grow gradually as your trust and score increase.

We generate revenue through small service fees and risk management charges, but only after a successful loan transaction. No hidden fees before disbursement — what you see is what you pay.

Unlike loan apps that charge heavy fees or banks that reject small loans, OneKube connects real people to real people. Borrowers can access money instantly with minimal hassle, and lenders can earn 2–3x higher returns than bank deposits — all in one platform.

We use a multi-layer recovery process:

1. Automated reminders via WhatsApp, SMS, and calls.

2. Soft-collection partners and legal follow-ups for repeated defaults.

3. Default data impacts borrower’s future loan eligibility.

Our goal is to encourage trust-based borrowing and prevent bad credit behavior through accountability.

Our AI analyzes a combination of:

• Bank statement patterns

• Income stability

• Digital payment behavior

• Past repayment history (if any)

• Aadhaar and PAN verification

This results in a OneKube Risk Score, helping lenders make smarter, data-backed decisions.

Anyone over 18 with a valid Aadhaar, PAN, and bank account can join OneKube. Whether you're a student, salaried employee, or small business owner, OneKube is open to all responsible users.

We're on a mission to democratize lending in India, making credit accessible for everyone, not just those approved by banks. Our platform is built on transparency, community trust, and RBI-aligned processes.