From a payments company to a merchant growthengine.
Grow revenue · existing baseExpand the lendable baseWin retention
Payments tell MobiKwik what happened. AI tells the merchant what to do next.
or scroll to explore yourself
01 / Insight
The insight that changes everything
Most lenders ask which merchants are eligible? — and stop there.
Don't just find lendable merchants. Manufacture them.
Every merchant who isn't loan-ready gets a path, not a rejection. One move grows the lendable base, the lending revenue, and retention at once — because the merchant now has a reason to come back tomorrow.
23%
of merchants lendable
Status quo
The eligible base is fixed. You compete for the same thin slice everyone else can already see.
02 / The engine
Why this is an AI company, not a feature
MobiKwik holds India's richest signal of how small merchants earn. Until now it only described the past.
Every QR collection, settlement, repayment and seasonal swing. AI turns that exhaust into something prescriptive — three mechanisms a rules engine with a chatbot can't fake.
01 — Underwriting becomes coaching
A model that scores thin-file merchants
And tells each one exactly what to change to become loan-ready in 30 days. The "no" turns into a plan.
→ rejection becomes a roadmap
02 — Action, not chat
Saathi reads the live business
An agent that emits one ranked action a day — and executes it: sends the campaign, finishes the document, builds the buffer.
→ an agent that does, not a bot that talks
03 — Generative growth
Assets a merchant could never make alone
Generative AI produces the offer posters, comeback messages and catalogs that turn a kirana into a marketer.
→ a design + marketing team in the app
03 / The loop
One spine runs through all of it
more lendable more loyal more valuablethe compounding
The platform isn't a set of features. It's a flywheel — each turn makes the next loan safer and the merchant harder to leave.
Payments generate the signal. AI reads the business. The feed proposes the next action. The merchant acts. The signal gets richer — and the whole loop tightens.
04 / The system
Nine pillars, one system
The full platform — organised by the job each layer does, not a feature list.
Tap any pillar to see the moment a merchant actually feels.
Rails — daily presence + the signal
Payments & Soundbox
Lendability — manufacture borrowers
Loan Readiness
Credit Health
Engagement — the habit + the action
Business Feed
Saathi
Money — both sides of merchant cash
Surplus Saathi
Revenue Counter
Growth — bring customers back, sell beyond the shelf
Customer Growth
Commerce
Frontier — the future high-margin layer
AI Store
Merchant Media
05 / Proof
Live moments — play with the product
Not mockups. The thesis, made tangible.
Loan Readiness Engine
Complete a step. Watch the score move.
Rejection becomes a 30-day plan the merchant can actually finish.
64readiness
Keep QR payments regular for 14 days
Connect your bank statement
Pay the current EMI on time
3 steps to loan-ready. Try one.
Business Feed · the front page
One day, six updates, six actions.
Every card carries exactly one thing to do.
Namaste Ramesh ji6 updates for your business today
Aaj QR collection 12% up hai.
Loan readiness 64 → 69 ho gaya hai.
EMI 3 din mein due hai.
31 customers 30 din se nahi aaye.
Bill payment service se extra income kama sakte hain.
Account mein surplus cash dikh raha hai.
The real thing
Those two are sketches. Here are the actual Saathi screens — tap any one to open it full-screen.
06 / The target
Against the north-star
Three goals. One strategy that moves all of them at once.
Goal 01
Grow revenue from the existing base
More loan-ready merchants and new earning surfaces — without acquiring a single new merchant. The base you have, monetised deeper.
Goal 02
Expand the lendable base
Readiness coaching converts "not eligible" into "eligible in 30 days." The supply of safe borrowers becomes something you grow, not something you wait for.
Goal 03
Win retention
A daily reason to open the app, plus owned customer relationships and a live credit line — switching costs a QR sticker can't match.
07 / Sequencing
The 6-month path
Lead with the wedge that hits all three goals at once.
Lead wedge
months 1–2
Manufacture lendability
The one move that grows revenue, lendable base, and retention together.
Loan Readiness Engine
Business Feed v1
Saathi — the acting agent
Fast-follow
months 3–4
Deepen the habit
Turn daily engagement into daily value across both sides of merchant money.
Credit Health
Customer Growth
Revenue Counter
Surplus Saathi
Open the frontier
months 5–6
Earn the moat
As trust compounds, open the layers competitors can't copy quickly.
Commerce & Infinite Store
AI Store & local discovery
Merchant Media network
MobiKwik made merchants payment-ready. Now it makes them loan-ready, business-ready, and AI-ready.
— and becomes the one app a merchant opens to decide what to do today.