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Coming Q4 2026
FD-Backed Credit Card Infrastructure
Credit for Everyone, Secured by Deposits
Issue secured credit cards backed by a fixed deposit — instant approval with no income proof, while the deposit keeps earning interest and the user builds a credit score.
No Income Proof
FD Keeps Earning
Builds Credit Score
Up to 90%
Limit of FD Value
100%
Approval, No Income Proof
8.15%
FD Still Earns p.a.
CIBIL
Score Building
Key Capabilities
Lien MarkingInstant IssueBureau ReportingAuto-Recovery
The Problem
Most Indians Can't Get a Credit Card
Building a secured-card program against deposits means navigating multiple banks and regulations.
~70% declined
Thin-File Rejections
New-to-credit users, students, and the self-employed get rejected for unsecured cards because they have no credit history.
High NPAs
Unsecured Card Risk
Issuers carry default risk on unsecured cards, forcing conservative limits and excluding millions of creditworthy users.
6-9 months to build
Lien & FD Plumbing
Marking a lien on a fixed deposit, issuing a card against it, and automating recovery is complex bank-by-bank integration work.
RBI MD on Cards
Card-Issuance Compliance
KFS, billing transparency, lien disclosures, and grievance redressal under the RBI Master Direction — complex and evolving.
Core Features
End-to-End Secured Card Infrastructure
From deposit pledge to card issuance to repayment — everything you need to offer a credit card to every user.
Instant Issuance Against FD
Approve and issue a secured credit card the moment a fixed deposit is booked or pledged. No income proof, no separate underwriting.
FD Keeps Earning Interest
The pledged deposit stays in the user's name and continues earning up to 8.15% p.a. while it backs the card limit.
Credit Bureau Reporting
Every repayment is reported to CIBIL and bureaus, helping thin-file and new-to-credit users build a real credit score.
Multi-Issuer Architecture
Connect to multiple issuing banks through a single API. Automatic routing based on the FD partner bank and user profile.
Automated Lien Marking
Lien is marked on the deposit at issuance and released on closure — fully automated across partner banks via one SDK.
Default Recovery From FD
On persistent default, dues are recovered from the lien-marked deposit per RBI norms — near-zero credit loss for issuers.
White Label
Complete Card Journey in Your Brand
From deposit pledge to swipe to repayment — a seamless secured-card experience your users will love.
Onboarding
- Book a new FD or pledge an existing one
- eKYC and video-KYC verification
- Lien marking on the deposit
- Instant card issuance and activation
Card Usage
- Virtual card live instantly, physical on the way
- Limit set as a percentage of FD value
- UPI, POS, and online acceptance
- Real-time spend analytics and controls
Repayment & Servicing
- UPI Autopay mandate for bill payment
- Flexible full or minimum-due repayment
- On-time repayments reported to bureaus
- Lien release and FD payout on closure
Compliance
Card-Issuance Compliance — Fully Covered
Secured cards sit at the intersection of deposits and credit. Our infrastructure handles every regulatory requirement so you don't have to.
RBI Master Direction on Credit Cards
Full compliance with card issuance, billing, and conduct norms
Lien Marking & Disclosure
Transparent lien on the deposit with clear user consent and disclosure
Key Fact Statement (KFS)
Standardized disclosure of fees, limits, and terms before issuance
DICGC-Insured Deposit
The backing fixed deposit remains insured up to ₹5 lakh per depositor
Grievance Redressal
Built-in complaint management and resolution tracking
Data Privacy
Minimal data collection, encrypted storage, consent-based access
RBI Card Norms
AES-256 Encrypted
KFS Disclosure
Lien Marked
DICGC Insured FD
eKYC Verified
Card Ecosystem
Multi-issuer architecture with leading banks and distribution partners.
Issuing Partners
Distribution Partners
Go Live
Launch Secured Cards in 3 Weeks
From issuer onboarding to production — a structured launch process for card products.
Week 1
Setup & Integration
Issuer partner onboarding
SDK integration and configuration
Lien-marking flow setup
Card program activation
Week 2
Testing & Compliance
End-to-end FD-to-card flow testing
RBI card-norms verification
KFS and lien-disclosure review
UAT with issuing banks
Week 3
Launch
Phased rollout to user segments
Real-time monitoring setup
Support team enablement
Production go-live
Ready to Offer a Card to Every User?
Get early access to our FD-Backed Credit Card infrastructure. Multi-issuer, instant issuance, fully compliant.
Early Access Available
Multi-Issuer Ready
Fully Compliant