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Afinit, trading as True Balance, is a Seoul-founded fintech offering prepaid balance tools and personal loans in India.
Founded in 2014 and based in Seoul, South Korea, Afinit, formerly Balancehero Co., Ltd. and trading as True Balance, develops a mobile app for managing prepaid balances, recharges and utility bill payments. Its platform offers quick, unsecured personal loans to underbanked and unbanked users in India through RBI-licensed NBFC partners, with a fully digital application and KYC process. In March 2026 it raised USD 10 million in venture debt led by Northern Arc Investments to scale lending and expand its credit portfolio.
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