Origin
We built what we needed.
Three of us moved countries. Jairo from Quito to London. Damian from Quito to Kraków. Daniel from Quito to London. Each of us had spent years building something in Ecuador: loans repaid on time, accounts managed responsibly, a financial history that meant something. None of it followed us.
Not because it was wrong. Because the system that holds financial reputation was designed for people who stay put. The record existed in Quito. The lender was in London. There was no mechanism for one to read the other.
Arriving in a new country with a solid financial history that nobody can see is not a personal failure. It is a structural problem. You are not high-risk. You are simply unreadable.
We built the mechanism to change that.
What CashKi is
The layer the financial system was missing.
CashKi is not a score. It does not decide. It does not recommend.
It is the layer between a verified identity and a credit decision. It takes financial evidence created under one regulatory system — a loan repaid in Bogotá, years of responsible borrowing in Warsaw — binds it to the right person with a verified identity, records where it came from and how it was checked, and makes it legible to a lender in a different country.
The evidence was always there. CashKi makes it possible to use it.
The system does one thing precisely and refuses to do the rest. Where identity binding falls below the required threshold, it returns nothing. Where a foreign financial concept has no defensible UK equivalent, it returns the concept unmapped rather than translate it into something that looks familiar but is not. Honest limits are not a weakness. They are the only way a lender can trust the output.
The market
A structurally documented problem, with a regulatory tailwind.
The FCA's credit information market study (December 2023) found the sector “very highly concentrated”, with an HHI above 5,000 in 2020, and identified barriers to entry that include access to historical data and network effects (MS19/1.3, §2.7). In the FCA's words, if credit information is “insufficiently comprehensive”, its users “will not be able to accurately assess credit risk or provision for bad debts” (MS19/1.3, §2.6).
CP26/7 (February 2026) and the FCA Open Finance Roadmap (April 2026) both point toward broader, better-quality data sharing. The applicants CashKi addresses — people with verifiable financial histories abroad — are the most systematically excluded by the current gap.
The foundation is the information asymmetry that makes a mobile applicant invisible (Akerlof, 1970) and the published standards that make the solution technically feasible (W3C, 2025).
The team
Three co-founders. One shared problem.
Jairo Rodríguez
Chief Executive Officer · London
Economist. Leads the commercial, regulatory, and research functions. Has an open enquiry with FCA Innovation Pathways on the regulatory perimeter. Moved from Quito to London and experienced the cross-border invisibility problem directly.
Damian Luje
Chief Technology Officer · Kraków
Full-stack engineer. Owns CashKi’s architecture end to end, from the live website to the upcoming platform and app, and from backend to CI/CD. Has built production payment flows, and is designing the identity binding, semantic mapping, and attribute emission layers. Moved from Quito to Poland and met the same cross-border invisibility problem firsthand.
Daniel Endara
Chief Financial Officer · London
Specialist in AML, transaction monitoring, treasury payments, and international banking in the UK. Leads financial compliance and risk at CashKi. Brings direct experience of the regulated environment CashKi operates within — and the same starting point: financial history built in Ecuador, invisible on arrival in London.