About Us


We are 3 founders with experience across various start-ups like Paytm, Cars24, Bharatpe. We believe in leveraging technology to solve the credit needs of the society.


Only 5.5% of Indians have credit cards, and only 20% of the adult population has been served with credit requirements. However, we believe that the democratization of credit is on the horizon in India, and WhatsApp has the potential to play a major role in this transformation.

WhatsApp has a penetration rate of 65% among the adult population of India, which means that it has the potential to reach a vast number of people who are currently underserved by the credit market. By leveraging WhatsApp, we can make credit more accessible to people in every corner of the country.


We are building India’s first WhatsApp-only platform to provide financial services to the unserved and underserved. We are a demand generating platform for credit needs. Through our lending partners, we plan to offer lending services as well as credit cards, all via a digital and seamless journey. The way this works is that this platform acts as an aggregator with multiple regulated entities to fulfil customer needs.


Indian lenders have built massive digital infrastructure in the last decade to serve the unserved and underserved. They have leveraged India’s fintech full stack solutions to digitally underwrite and disburse loans instantly. We plan to onboard all regulated entities to cater to the needs of every type of customer.

Meet our Founders

Divyanshu Anand

Divyanshu Anand


With an experience of more than 11 years across organizations like Britannia, Paytm, Cars24 Financial Services and Bharatpe specializing in consumer lending for Auto loans and Personal loans, Divyanshu is the perfect advisor & a sounding board.

In last 2 stints with Cars24 Financial Services and Bharatpe, he has been a business head, where he has managed monthly disbursals of more than Rs 1000 cr and AUM of Rs 3000 cr. He has worked actively with top lenders (ICICI bank, Bajaj, Poonawalla, L&T finance, Liquiloans, Lendenclub-P2P NBFC) of the country to conceptualize and launch digital only journey in Cars24 and Bharatpe.

Anirudh Mendiratta

Anirudh Mendiratta


With an experience of 8 years across organizations like PepsiCo, Cars24 & Cars24 Financial Services specializing in Operations, New Product & Vertical launches & Used Car Financing, Anirudh will be setting up the business operations.

Pranjal Agarwal

Pranjal Agarwal


Pranjal is a software engineer with over 10 years of experience. He has worked with a number of organizations across multiple domain including FinTech, Insurance, Publishing and IT. He is passionate about using technology to solve real-world problems and make a difference in the world.