Serial entrepreneur and former Ola Financial Services CEO Nitin Gupta's fintech startup Uni has raised $18.5 million in a seed round led by Lightspeed India Partners and Accel. Gupta also co-founded PayU India and built OlaMoney for the ride-hailing startup. Gupta is joined by Prateek Jindal and Laxmikant Vyas at Uni, which aims to make credit cards more accessible.