We believe the best lending shouldn't require the best connections.
Private credit has delivered consistent, double-digit interest for institutions for decades. Access has been gated behind minimum cheques, accreditation requirements, and relationship networks. We built Kasu to change that.
"Financial opportunity should not be determined by wealth, connections, or geography. The same interest institutions earn should be available to everyone."
From a simple observation to a new model.
Kasu began with a straightforward observation: businesses pay double-digit interest to borrow, and for decades only institutions were permitted to earn it. The barrier for everyone else was never risk. It was access.
We asked what it would take to close that gap honestly: not by hiding risk, but by building the same structures the professionals demand, and opening the door.
Building the answer required a new kind of infrastructure: standing partnerships with specialist Credit Originators, structures of separate, ranked loans with institutional senior lending ahead of yours, and settlement technology that makes every movement of funds permanent and auditable.
After more than two years of live operation: $17.57M lent, $12.51M in active lending right now, and $1.21M of interest earned by Lenders. We're just getting started.
Backed by institutions that checked first.
Before you lend a dollar, others with far more to lose ran their own due diligence: on the company, and on the lending itself.
*Strategy track records span up to 9 years. Performance history varies by strategy.
United Overseas Bank
Equity Investor
UOB is an equity investor in Kasu and a leading Asian bank with a global network of over 430 branches and offices in 19 markets across Southeast Asia, Asia Pacific, Europe and North America.
XDC Network
Equity Investor
XDC Network is an equity investor in Kasu and an enterprise-grade, blockchain protocol aimed at evolving trade finance through the tokenization of real-world assets and financial instruments.
Cicada Partners
Credit Underwriter · USA
A credit manager with more than $860M underwritten, whose Ripple-backed credit fund lends against InvoiceMate's Payment Financing after months of independent due diligence.
Rixon Capital
Institutional Lender · AUS
An established credit fund holding the entire senior position of Apxium's Australia-based Lending Strategies, committed after extensive due diligence of its own.
What we've accomplished
- H1 2024
Foundations laid
Completed the work that never makes headlines: platform development, credit partnerships, and the compliance framework, before a dollar of outside capital was accepted.
- H2 2024
First lending strategies live
Lending went live with the founding credit originator, funding invoices for established professional services firms.
- H1 2025
Origination milestones
Surpassed $5M in loans originated with no lender losses. Product-market fit with zero marketing spend.
- H2 2025
Scaling infrastructure
Senior lending facility established with an institutional credit fund. Distribution partnerships signed.
- 2026
Opening to the world
Multi-originator expansion, global distribution via partner integrations, and the next generation of the platform: the one you're looking at now.
Built by people who've been on both sides
Our team combines deep experience in institutional banking, credit risk management, structured finance, and technology, with a shared belief that financial access should be universal. Real names, real faces, real records.
Luke Lombe
CEO & Founder
Global operator and founder across financial services, technology, and venture building, with experience spanning major banks and Fortune 500 companies.
Leon Ploubidis
Head of Operations
Banking background across Australia's Big 4 institutions and M&A roles in listed and large private companies. Manages the numbers, the language, and the discipline behind both.
Jeremy Coombe
Co-founder — Credit
Founder & Managing Director of Apxium, the platform's founding Credit Originator: nine years of lending with not one realised loss.
Kiril Ivanov
CTO
Systems architect and engineer behind the platform's core infrastructure, with a record of building large-scale financial technology.
William Deeb
Compliance & Risk Manager
Financial services and digital assets lawyer specialising in cryptocurrency payments and financial regulation.
Oleksiy Yuzik
Head of Design
Product and visual designer with 20+ years of experience, focused on making complex financial products legible.
Built by people who've been on both sides
As global regulatory frameworks tighten around digital-era finance, Kasu's approach has been simple: build to the standard the regulators are heading toward, not the one they are leaving behind.
Structure
Corporate Structure
Operating entities structured with counsel across the jurisdictions the platform serves, with regulated partner integrations for money movement.
Identity
KYC / KYB
Full identity verification for all participants, individual and institutional, with anti-money-laundering screening on every account.
Assurance
Security audits
The platform's core financial infrastructure is independently audited by third-party security firms, on an ongoing basis.
Disclosure
Risk disclosures
Comprehensive, plain-language documentation of risks for every strategy, updated as conditions change. Reading them is not a formality; it is the deal.
Distribution
Regulated partners
Distribution runs through licensed and regulated partners in each market, with jurisdictional controls on who can access what.
Honesty
The standing disclosure
Not a bank. Not insured. Capital at risk. On every surface, every time.
Join us in opening private credit to the world.
Whether as a lender, a partner, or a team member, there's a place for you.
Capital at risk. Not a bank. Returns not guaranteed.