Comparison

Rain Fintech vs Ureca

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Rain Fintech

This app offers collateral-free, instant micro-loan services to help with daily financial needs. It calculates your credit score automatically using your national identification number and provides loan amounts from 50,000 to 800,000 MNT with flexible repayment terms.

Highlights
  • Collateral-free loans
  • Instant micro-loan service
  • Automatic credit score calculation
  • Loan amounts up to 800,000 MNT
  • Flexible repayment terms
  • 1% loan fee
Features
Read full description

Rain нь GTC санхүүгийн үйлчилгээ үзүүлдэг байгууллагын барьцаагүй зээлийн бүтээгдэхүүн юм. GTC нь 6655009 гэсэн бүртгэлийн дугаартай Монгол улсын хууль тогтоомжийн дагуу үйл ажиллагаа явуулах бүрэн эрхтэй билээ. Rain нь: Барьцаагүй, бичил зээлийн үйлчилгээ үзүүлж таны санхүүгийн өдөр тутмын асуудалд туслах зорилготой. Зээлийн хэмжээ: 50’000 MNT — 800’000 MNT Шимтгэл: Шимтгэл 1 хувь, та зээлээ төлөх үедээ төлөгдөх нөхцөлтэй. Хүү: Хүү таны зээлийн чадамжийн үнэлгээнээс хамааран 1-ээс 5 хувь байх болно. Гэхдээ бид хэрэглэгчиддээ шударга, хэрэгтэй үйлчилгээ үзүүлэх үүднээс хүүг тухайн зээлийн хугацааны турш ашигласан хоногоор тооцох болно. Зээлийн хугацаа: Манай зээлийн бүтээгдэхүүний хугацаа нь 14, 21, 28, 60 хоног гэсэн сонголттой. Credit Score: Credit score буюу таны зээлийн чадамжийг манай автомат систем тооцоолол хийнэ. Ингэхдээ бидэнд хэрэглэгчийн зөвхөн регистерийн дугаар л хэрэгтэй. Хэрхэн ашиглах: Rain app-аа татаад, бүртгэл болох утасны дугаар мөн регистерийн дугаараа оруулна. Хэрэв бид танд зээлийн үйлчилгээ үзүүлэх боломжтой гэж үзвэл танд бид мэдэгдэн, манай харилцагчийн төв дээр нэг удаа ирж гэрээ хийснээр та өөрийн зээлийн эрхийн хүрээнд хүссэн үедээ зээлээ аваад ашиглах юм. Танд амжилт хүсье, Rain Team. Contact us: E-mail: customer@gtc.mn Facebook: @rainfintechmn English: Rain is a loan-service product of GTC NBFI. Gtc NBFI is registered in Mongolia, registration no 6655009. The company follows all the regulation and the laws of Mongolia. The product Rain: This is a collateral-free, instant loan service app. Loan amount: Depends on the client profile, credit score. But the limit is between 50’000MNT to 800’000 MNT. Loan length: Loan length depends on the loan amount but starts from 60 days Loan Fee: Loan fee is 1%. Loan Interest Rate: Monthly interest rate is 2% to 3% which makes APR 24% to 36%. Credit Score: To compute the credit score, a user has to put phone no and national identification no on the. We will confirm the phone no with one time password. After that our automate computation system will compute the score. Thank you and goodluck, Rain Team. Contact us: E-mail: customer@gtc.mn Facebook: @rainfintechmn

About

Ureca

Invest in carbon credits to combat climate change and earn rewards. Discover high-quality emissions reduction projects worldwide, trade credits easily, and offset your personal footprint. The platform offers transparency and security through blockchain verification.

Highlights
  • Invest in carbon credits
  • Offset personal emissions
  • Discover emissions reduction projects
  • Trade carbon credits
  • Blockchain verified credits
  • Earn rewards for climate action
Features
Read full description

Are you ready to join the fight against climate change? The scale of climate change may seem overwhelming, but at URECA, we believe that technology can empower everyone to play a role in this important mission. That's why we're proud to introduce our climate investing platform, designed for anyone who wants to make a difference. Here’s why we think you’ll love our app: INVEST IN THE FUTURE * With URECA, you don't need to be a corporation or a big-time investor to participate. Ordinary people like you can invest in carbon credits generated by projects all the way from Peru to Malawi to Mongolia and contribute to the global effort to reduce greenhouse gas emissions. * And the best part? Not only will you be able to offset your own emissions footprint and earn rewards but the URECA platform allows anyone to trade in high quality carbon credits as an alternative investment. DISCOVER HIGH-QUALITY PROJECTS * Explore the world's best emissions reduction projects, ranging from forestation and renewable energy to improved cookstoves. * Get detailed information about the project developers, including project information, photos, videos, and the impact they're making. TRADE WITH EASE * Enjoy a user-friendly platform that makes buying and selling carbon credits a breeze. * Stay up-to-date with real-time data on carbon credit prices, availability, and vintage to make informed decisions. * Our platform ensures secure and efficient transactions, making trading carbon credits effortless. OFFSET AND EARN * Choose to resell or offset your carbon credits, and earn rewards for having been good to the planet. * Our marketplace offers social incentives and rewards for climate investing and personal carbon offsetting. TRANSPARENCY AND QUALITY * Each carbon credit is certified, verified and traced on the blockchain to ensure transparency and reliability. * We only work with the highest quality project developers and most impactful projects that meet the most stringent environmental, community, and biodiversity standards. START YOUR CLIMATE INVESTING JOURNEY TODAY * Our platform empowers project developers big and small from all over the world by making carbon financing more accessible and transparent. * We believe that at URECA we have built a marketplace that is made by project developers, for project developers. * Together, we can ignite a global movement of climate action and accelerate the fight against climate change. Download the URECA Marketplace app today and start your climate investing journey today.

Screenshots

Rain Fintech4 screens
Ureca4 screens

Verdict

The call

The clearest difference is update cadence: Ureca at weekly against Rain Fintech's every 3 weeks. Ureca also leads on iOS requirement (13.0 vs 15.6). On price, rating, ratings volume and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Rain Fintech against 5.0 for Ureca. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

UpkeepUpdate frequency

Rain Fintech ships an update every 3 weeks, Ureca weekly. The most recent releases landed on June 5, 2026 and June 4, 2026 respectively.

Scorecard2 real differences · 7 level
Rain Fintech versus Ureca: the parameters behind the verdict, then further details
ParameterRain FintechUreca
PriceFreeFree
Rating5.0 (2 ratings)5.0 (1 ratings)
Number of ratings2 — better1
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size32 MB63 MB
Age rating4+17+
DeveloperGOOD T C LLCURECA PTE. LTD.

Customer experience

Rain Fintech

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Ureca

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Rain Fintech

No in-app purchases

None

Ureca

No in-app purchases

Questions

Is Rain Fintech free?
Rain Fintech is free to download, with no in-app purchases.
Is Ureca free?
Ureca is free to download, with no in-app purchases.
Which has better reviews, Rain Fintech or Ureca?
Rain Fintech and Ureca are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.
Do Rain Fintech or Ureca have ads?
Neither Rain Fintech nor Ureca shows ads.
Which is updated more often, Rain Fintech or Ureca?
Rain Fintech ships an update every 3 weeks, and Ureca weekly. Most recently, Rain Fintech was updated on June 5, 2026 and Ureca on June 4, 2026.

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