Stride

Our product, Stride, is an AI-powered platform that instantly provides fair and personalized credit limits to freelancers and startups by analyzing their real-time income instead of their CIBIL score.

How It Works Instead of asking for months of paperwork and relying on an outdated CIBIL score, Stride securely connects to a user's financial accounts with their consent through the RBI's Account Aggregator framework. Our proprietary AI model then analyzes their live cash flow, revenue patterns, and spending habits to understand their true financial health in real-time. Based on this intelligent analysis, it instantly generates a fair credit limit.

Think of it this way: traditional banks use a blurry, year-old photograph (the CIBIL score) to make a decision. Stride uses a live, high-definition video feed (real-time cash flow) to see the complete, current picture.

Who It Helps Our platform serves two key customers:

For Freelancers & Startups 🚀: We unlock access to the fair, timely working capital they are often denied by traditional systems. This helps them manage cash flow, invest in growth, and operate without the fear of hitting a financial wall simply because they have variable income.

For Banks & NBFCs 🏦: We act as their intelligent underwriting partner. We help them safely lend to a massive, profitable market of new-economy businesses that were previously invisible or considered 'too risky.' This reduces their risk, speeds up their approval process, and expands their customer base.