URCASH

URCASH is a Scottish-headquartered fintech platform connecting lenders, borrowers, banks, businesses, and governments across eighty-six currencies and twenty-nine live beta markets worldwide. Founded in 2018 by Ranganath Nadella a twenty-year enterprise finance expert and former SAP Business Intelligence consultant to nine Fortune 500 companies. URCASH has spent eight years architecting a platform that fundamentally reimagines how money moves across borders.

The Problem We Solve
The global financial system was not built for the modern world. Correspondent banking routes cost up to forty million dollars in fees for every billion transferred. Cross-border settlement lags by one to three days. Borrowing costs for underserved businesses reach forty-eight percent APR. And eighty-two percent of countries lack access to simple cross-currency peer-to-peer lending. URCASH addresses all of these simultaneously on a single, open-banking-powered platform.

Our Breakthrough
URCASH’s core innovation is straightforward: credit limits move across borders, but cash does not. A treasury-backed deposit in pounds unlocks a credit line in rupees, yen, or reals instantly, without foreign exchange leakage, and without correspondent bank intermediaries.

Our Platform
URCASH operates eight live products across four market segments. Consumers access peer-to-peer loans, pay-per-use subscription payments via UR-IRaaP with World ID integration, and forex deposit bonds. Businesses draw secured credit through UR-MSME and UR-StartUp. Financial institutions access cross-currency treasury management via UR-RepoEdge and interbank liquidity matching via UR-FINAI-Global. Governments can fund local infrastructure through citizen lending via UR-GovFund.

Revenue is generated through three streams: modular SaaS subscriptions, transaction fees and an Enterprise Edition licensed at £3.8 million for ten countries and £11 million for full 29 country deployment.

Contact: invest@urcash.co.uk | urcash.co.uk

The URCASH Story
Every great company begins with a frustration. For URCASH, it was the quiet injustice hiding in plain sight within everyday banking the vast, systematic gap between what banks pay savers and what they charge borrowers. While millions of ordinary people earned minimal returns on their deposits, those same institutions lent that money out at rates many times higher, pocketing the difference as profit. The question that sparked URCASH was simple: what if that middleman simply didn’t exist?

URCASH Financial Platform Services UK Limited was founded with a single, transformative mission to democratise interest rates by connecting lenders and borrowers directly, peer to peer, through a secure, technology-driven platform. The logic is straightforward: borrowers gain access to rates up to 40% lower than traditional banks, while lenders earn competitive returns on their capital. Everyone wins except the excessive margins of incumbent financial institutions.

From the outset, the founders recognised that fixing consumer lending was only the beginning. The same structural inefficiency that plagued personal loans also distorted forex markets, mortgages, institutional treasury, startup funding, and government finance. URCASH was therefore architected not as a single product but as a multi-platform financial ecosystem spanning consumers, businesses, financial institutions, and governments built on a common OpenBanking infrastructure.

The platform’s software IP, owned by Excent RIT Services Ltd, was designed for global reach from day one, with support for 86 currencies and deployment infrastructure spanning 85+ countries across dedicated regional portals for the UK, US, India, Australia, Europe, and the GCC.

URCASH is not simply building a fintech product. It is building the infrastructure for a fairer financial world.

URCASH Pitch Video