Bengaluru-based fintech Olyv, formerly SmartCoin, backed by investor Sourav Ganguly, is raising $20 million led by Lightrock. Founded by IIT alumni Vinay Kumar and Rohit Garg, Olyv aims to expand lending operations, enhance AI credit systems, and roll out new financial tools amid tighter RBI norms, signaling investor faith in compliant, responsible fintech growth in India.