Leadership

• Co-founder and Executive Chairman: Radu Ciorbă

Short Introduction

Volt is a Romanian personal-finance platform that helps consumers understand their credit profile, monitor their FICO score and access relevant financing options from partner financial institutions through a mobile application.

About the Company

Founded in 2016, Volt Finance develops digital tools designed to make personal credit information easier to understand and use. Through the Volt mobile application, consumers can access information obtained from Biroul de Credit, review factors affecting their FICO score and gain a clearer view of their existing financial obligations.

The platform also uses financial information obtained with the user’s consent—including data from Biroul de Credit and, where applicable, ANAF—to provide explanations, eligibility indications and relevant credit offers from partner institutions. Its Volt AI functionality offers conversational guidance intended to help users understand their financial and credit situation; it does not make lending decisions or provide regulated personalised financial advice.

Volt operates as the technology and distribution layer between consumers and financial-service providers. Credit agreements are concluded directly with the relevant bank or non-bank financial institution, while Volt supplies the digital interface, data-enabled customer journey and technical infrastructure.

The company has progressively expanded the application beyond credit-score monitoring to include partner credit offers, cashback and shopping-related benefits, community functions and access to selected purchases or event tickets with financing options supplied by partners. According to the company’s website, the Volt application has served more than 400,000 users.

Sources: Volt website, Terms and Conditions, Privacy Policy

Products & Services

• Volt Plus ( FICO Score and Credit Profile ) — access to the user’s FICO score and credit-status information obtained from Biroul de Credit under an express mandate, along with a personalized experience tailored to their credit profile.
• Credit and Debt Insights — explanations of the factors affecting the user’s credit profile and an overview of relevant financial obligations.
• Volt AI — an AI-powered conversational financial coach that offers guidance on credit, based on data the user has consented to share.
• ANAF Data Access — integration of income or fiscal information, subject to the user’s authorisation, to support financial analysis and eligibility assessment.
• Credit Marketplace — presentation of credit products and personalised offers supplied by partner banks and non-bank financial institutions.
• Digital Credit Journey — technical infrastructure supporting online applications for credit products offered by partner lenders.
• Cashback and Shopping Benefits — merchant-funded benefits and discounts credited for eligible future purchases.
• Volt Community — in-app community and engagement functionality.
• Tickets and Instalment Options — access to selected event or entertainment tickets, including financing options provided by lending partners.

Licences & Regulatory Status

Volt Finance S.A. is a Romanian technology and financial-services distribution company. According to its current Terms and Conditions, the company:

• is not a payment-service provider;
• does not itself grant loans or accept deposits;
• does not negotiate, approve or conclude credit agreements on behalf of the partner lender;
• presents and facilitates access to products supplied by authorised banks and non-bank financial institutions.

Where the digital journey includes credit products offered by Ocean Credit IFN S.A., Ocean Credit—not Volt—is the lender. Ocean Credit IFN S.A. is registered with the National Bank of Romania in both the General Register, under number RG-PJR-41-110300, and the Special Register, under number RS-PJR-41-110109.

Access to Biroul de Credit information is performed under an express, revocable mandate from the user. The processing of personal, credit and fiscal information is subject to the GDPR and to the consents described in Volt’s Privacy Policy.

Volt’s cashback benefit is contractually defined as a commercial discount applicable to eligible future purchases. It is not electronic money, a deposit, a payment instrument or a withdrawable cash balance.

Sources: Volt Terms and Conditions, Credit-service terms, Privacy Policy