What it sells
Consumer credit-health app in India with AI agent for monitoring score, negotiating overdue settlements, bill payment cashback and in-app loans.
Business model breakdown
Buyer: who owns the budget?
UnverifiedIndian retail borrowers with low or damaged credit scores (examples 540-670) who use the app themselves; lenders are the paying side of loan offers.
Trigger: what makes them buy now?
Overdue accounts and a credit score under about 750 that block loan approval; need to settle overdue dues with discounts.
Workflow: what inputs become what output?
Monitor score, clear overdue with discounts, pay through app for cashback, then unlock pre-approved loans.
Economics: what it saves and how it charges
UnverifiedFree consumer app; likely earns referral/lead fees from lenders on loan offers (IDFC, L&T Finance, Rupeek etc. shown) and bill-pay flows; says overdue settlement has "no added cost to you".
Distribution: how it reaches customers
Consumer app via Google Play and App Store; lender marketplace/network.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| 2025-10-13 | Series A | $13M | Peak XV (lead) | news.google.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-13.