Loading...
Coming Q3 2026
UPI Credit Line Infrastructure
Instant Credit, Powered by UPI
Enable pre-approved credit lines for your users with instant UPI-based disbursement. Fully compliant lending infrastructure with built-in risk assessment.
< 60s Approval
Multi-Lender
Fully Compliant
< 60s
Approval Time
Instant
UPI Disbursement
Multi
Lender Partners
100%
Fully Compliant
Key Capabilities
Bureau CheckAlt DataUPI RailsAuto-Collect
The Problem
Building Credit Infrastructure Is Hard
Lending on UPI rails requires navigating multiple stakeholders and regulations.
48-72 hours
Lengthy Approval Processes
Traditional credit line applications take days with manual document verification and credit assessments.
4-8 months per lender
Multi-Lender Integration
Each lending partner has unique APIs, underwriting rules, and disbursement processes.
50+ requirements
Digital Lending Rules
KFS disclosure, cooling-off periods, FLDG limits, LSP regulations — complex and evolving.
NPCI + Lender + PG
UPI Rails Complexity
Connecting credit lines to UPI requires orchestrating multiple payment entities simultaneously.
Core Features
End-to-End Credit Line Infrastructure
From pre-qualification to disbursement to collection — everything you need to offer credit on UPI.
Instant Approval Engine
Pre-approved credit lines based on real-time bureau checks and alternative data scoring. Approval in under 60 seconds.
UPI-Based Disbursement
Instant fund transfer via UPI rails. Users can access their credit line directly through UPI payments.
Multi-Lender Architecture
Connect to multiple lending partners through a single API. Automatic lender matching based on user profile and risk score.
Digital Lending Compliant
Built-in compliance with Master Direction on Digital Lending including KFS, cooling-off periods, and FLDG limits.
Real-Time Credit Scoring
Integrated bureau pulls, alternative data analysis, and behavioral scoring for instant credit decisions.
Repayment Management
Automated EMI collection via UPI Autopay, flexible repayment schedules, and smart collection workflows.
White Label
Complete Credit Journey in Your Brand
From eligibility check to UPI payment — a seamless credit experience your users will love.
Onboarding Flow
- Pre-qualification check (soft bureau pull)
- eKYC and document verification
- Credit limit assignment and approval
- UPI credit line activation
Credit Usage
- UPI payment with credit line selection
- Real-time available balance updates
- Transaction history and statements
- Spend analytics and insights
Repayment
- Flexible EMI and pay-later options
- UPI Autopay mandate for repayments
- Early repayment with zero penalty
- Payment reminders and nudges
Compliance
Digital Lending Compliance — Fully Covered
The regulatory landscape for digital lending is complex and evolving. Our infrastructure handles every requirement so you don't have to.
Master Direction on Digital Lending
Full compliance with all LSP and DLA requirements
Key Fact Statement (KFS)
Standardized disclosure of all loan terms before disbursal
Cooling-Off Period
Mandatory cooling-off window with full refund support
FLDG Compliance
First Loss Default Guarantee within prescribed regulatory limits
Grievance Redressal
Built-in complaint management and resolution tracking
Data Privacy
Minimal data collection, encrypted storage, consent-based access
DL Compliant
AES-256 Encrypted
KFS Disclosure
FLDG Compliant
LSP Registered
eKYC Verified
Lending Ecosystem
Multi-lender architecture with leading banks and NBFCs.
Lending Partners
Distribution Partners
Go Live
Launch Credit Lines in 3 Weeks
From lender onboarding to production — a structured launch process for credit products.
Week 1
Setup & Integration
Lender partner onboarding
SDK integration and configuration
Credit scoring model setup
UPI credit line activation
Week 2
Testing & Compliance
End-to-end flow testing
Regulatory compliance verification
KFS and disclosure review
UAT with lender partners
Week 3
Launch
Phased rollout to user segments
Real-time monitoring setup
Support team enablement
Production go-live
Ready to Offer Credit on UPI?
Get early access to our UPI Credit Line infrastructure. Multi-lender, instant approval, fully compliant.
Early Access Available
Multi-Lender Ready
Fully Compliant