Founded in 2020, Oro Money is a gold loan enabler that provides credit access to individuals basis existing gold jewelry. Positioned as a direct play on the massive unorganized gold loan market in India, Oro also holds the optionality to expand into broader use cases for its target customer base. The company aggregates potential borrowers and connects them with lenders; it processes and operates as a tech enabler for traditional lenders.

To deepen customer reach, Oro plans to establish local disbursement centers, enabling a physical presence that not only lowers operating costs to nearly one-third that of scaled digital lenders but also helps maintain borrower quality and reduce customer acquisition costs (CAC).