Arvinth Rajkumar
Founder & CEO
"Building the digital lending bridge for India's unorganized retail sector."
arvinth@marketpulseai.co.inThe Opportunity
Traditional financial institutions reject millions of Kirana stores due to an absence of formal credit scores. We turn their daily WhatsApp inventory chat habits into securely verified, actionable credit risk profiles.
Banks demand complex accounting software and formal GST traces. Small retailers run on physical notebooks and memory, leaving them entirely outside the formal credit ecosystem.
Every time a merchant replenishes stock via voice note on WhatsApp, our model updates their ledger. We then authenticate their business securely through the Account Aggregator grid.
Workflow
A secure origination pipeline built entirely into the digital interfaces they already use for hours every day.
Merchants manage inventory intuitively using simple voice notes or text in local languages (Tamil, Hindi, Telugu).
The platform securely fetches cash flow history and verifies entity details through the secure Account Aggregator (AA) framework.
Regulated lenders underwrite the verified data set and instantly disburse collateral-free funds directly to the merchant's bank account.
Strict Regulatory Adherence
All underwriting and disbursements executed by licensed REs.
Engineered entirely around DPDP Act 2023 privacy guidelines.
Founder & CEO
"Building the digital lending bridge for India's unorganized retail sector."
arvinth@marketpulseai.co.in