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Alternative credit scoring platform using rental payment history, utility bills, UPI behaviour, and GST data to create credit profiles for the 500M+ Indians with no formal credit history.

Digital gold loan application with doorstep gold pickup, instant valuation, and same-day disbursal — competing with Muthoot and Manappuram on speed and transparency.

Buy-Now-Pay-Later credit for kirana stores and small retailers to purchase inventory from distributors — with 14-30 day credit terms linked to UPI transaction history as the credit signal.

Solve India's ₹25 lakh crore MSME credit gap by embedding working capital loans into the daily workflow of kirana stores and small retailers — using alternative data (UPI transactions, GST, inventory) for underwriting.