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Credit Card for college students based on UPI.
More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. We use Alternative Credit scoring models to provide a Pay Later option on UPI to a wider audience.
PayCrunch offers an upi-based credit line targeted at Gen-Z college students, enabling pay-later transactions by scanning QR codes. It promotes itself as a no-credit-score-required credit service with features to track spending and build a PayCrunch score.
Users obtain a credit line accessed via UPI for scanning QR codes to pay later. The platform emphasizes no credit score required and provides tools to view and manage spending, build a PayCrunch score, and track expenses. It hints at a future PayCard and a community/social features like PayCrunch shots and a referral/invite system, all while encrypting data and transactions for security.
Who it’s for: College students / Gen-Z looking for a credit option without traditional credit scores
marketing content with feature mentions and a roadmap (PayCard, social features); no explicit funding/hiring data provided
Hey! I am Aman. Currently building a Fin-tech company to make credits accessible and fun for the upcoming Gen.
Building Chime for India
India's first UPI wallet for foreign nationals and NRIs
