UPAY, Inc. — Cyborg Score 3/10

Weak
Loan origination software

Strategic Profile

UPAY offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. The management team brings over 50 years of combined experience in the credit and fintech sectors, integrating diverse expertise into fully comprehensive fintech solutions. The company operates as a micro-cap OTC public company with a dual geographic focus on emerging African markets and North American expansion.

Cyborg Score Rationale

As of November 2025, UPAY has trailing 12-month revenue of $684K, reflecting extremely limited scale. The company has 16 total employees and a current market cap of approximately $15.7M with 17.5M shares. Limited analyst coverage and historical fund-raising challenges constrain growth trajectory.

Top Insights

  • UPAY provides web-based loan administration software with credit bureau product resales, insurance agency services, and third-party payment processing capabilities
  • UPAY has acquired AML, indicating selective M&A activity to expand capabilities
  • UPAY qualified to trade on the OTCQB Venture Market in September 2022, marking progression from pink sheets
  • The company is driven by fintech transformation potential and systems that streamline operations while reducing administrative burdens

Named Competitors

  • LOS — Loan origination software for credit providers
  • Ready Capital — Lending platform and asset management services
  • Merchant Warehouse — Payment processing and merchant solutions

Recent Developments

  • (April 2025) AML GO subsidiary experienced significant growth with 30 new clients
  • (June 2025) ACPAS powers device financing for flagship U.S. tech brand in South African retail
  • (September 2025) Richard K. Pellerin appointed to board

Open the full interactive UPAY, Inc. report

Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.

Open report →