Yubi partners with Cockroach Labs to transform India’s credit infrastructure

In a move that signals its ambition to redefine digital credit infrastructure at global scale, Yubi Group, India's largest lending technology platform, has partnered with Cockroach Labs to re-architect its backend systems with CockroachDB, a distributed SQL database built for resilience, scale, and geographic flexibility.

The collaboration marks a pivotal step in Yubi's evolution, as it seeks to accommodate exponential transaction growth and cross-border regulatory complexity without compromising performance.

The announcement comes at a time when India’s credit ecosystem is rapidly expanding, with Yubi at its core — facilitating the entire debt lifecycle, from origination and underwriting to disbursement and collections.

To date, the company has processed over Rs 1.65 lakh crore in debt volumes, connecting more than 6,200 lenders and investors with 17,000+ enterprises across structured products, supply chain financing, and partnership-led lending.

"Traditional cloud databases began hitting their limits,” said Venkat Ramana Sonnathi, Chief Architect at Yubi Group.

"We were facing risks of downtime, infrastructure complexity, and data residency concerns that could throttle innovation. With CockroachDB, we're not just managing scale — we're reimagining how credit flows in a modern, interconnected economy."

From scale bottlenecks to borderless lending

Yubi’s unified Lending Operating System (OS) is designed to bring cohesion across the firm’s multiple platforms, breaking down silos between origination, underwriting, risk, and servicing. But enabling seamless, always-on credit operations—especially across geographies—requires infrastructure that is both compliant and cloud-agnostic.

CockroachDB, with its geo-partitioning capabilities, offered the answer. The distributed nature of the database ensures that data remains local where required for compliance, yet accessible globally for operational efficiency. For a platform like Yubi, which is eyeing international expansion, this means agility without compromise.

“This isn't just about performance," Sonnathi added. "It's about staying compliant in India, while being ready for tomorrow's multi-jurisdictional growth."

"Yubi is leading the charge in one of the world's most dynamic fintech markets," said Spencer Kimball, Co-Founder and CEO of Cockroach Labs. "They're not just scaling transactions—they're modernizing how debt flows through the economy. We're proud to support that mission."

Backing from notable investors

Founded in 2020 by Gaurav Kumar, Yubi has emerged as a foundational layer in India’s credit ecosystem. Its vertically integrated stack spans technology infrastructure, data-driven underwriting, and collections platforms — all built to streamline how credit is accessed, distributed, and recovered.

The company is backed by marquee investors including Peak XV, B Capital, Lightspeed, Lightrock, Insight Partners, Dragoneer, and TVS Capital.