DebtPath
AI repayment plans • Outcome pricing

EMI ka tension? Chill karo.

AI repayment plans. Auto Dip-Pay. Outcome-based pricing.

We’re not playing with psychology — we’re respecting it.
Middle-class Indians in debt don’t think in financial jargon. They think in feelings: stress, confusion, EMIs, fear of losing money.

Instead of speaking like a broker, we speak in the language they actually understand: relief, control, clarity, safety. Zerodha talks to traders. We talk to stressed households.

This is not manipulation — it’s product design: meeting users where they truly are, giving emotional & financial safety traditional brokerages never built.

User journey — first 2 minutes (4 steps)

Fast, empathetic onboarding that delivers the first value moment quickly.

1
Signup
Phone + OTP — 90s
2
Welcome message
“Relief plan in 2 minutes”
3
Financial Health Scan
Add income, EMIs, loans — app analyses instantly
4
First value moment
Shows ₹ saved, EMI optimization, & Stress Score

Why users convert instantly

Why Users Convert Immediately
We give emotional relief first — “Here’s what's causing your stress” — before numbers. Users feel seen, increasing trust.
Zero Jargon, Only Real Money
No confusing charts — user sees: “Save ₹800/month starting today.” Plain, provable statements build credibility.
One Clear CTA
Onboarding has one primary action: “Start Recovering Money.” Fewer choices → higher activation.

Step-by-step flow (how a visitor becomes an active user)

  1. User lands on the page seeking relief from EMI/debt stress.
  2. Sign-up in 90 seconds using phone number (no documents).
  3. Welcome message opens with reassurance: “You’re not alone.”
  4. User completes the 2-minute Financial Health Scan.
  5. App generates a personalized Financial Stress Score.
  6. User sees first value: “You can save ₹X per month” → Converts.

What DebtPath offers — and how we do it

Product capabilities and the technical building blocks required for production (backend badges mark what's needed).

Smart Repayment Optimization
Priority ordering of EMIs to reduce interest using constraint-aware optimization.
Automated Dip-Pay Orchestration Requires backend
Micro-payments when balances show spare cash.
Lender Negotiation Playbooks
Automated & manual workflows to request fee waivers and date alignment.
Outcome Verification Requires partner APIs
Reconciled receipts and lender confirmations for verified interest savings.
Behavioral Tools
Timing nudges, commitment devices, micro-rewards and local language framing.
Value-Add Features
Round-ups, salary-sync, merchant discounts, referral monetization and micro-investing links.
Technical summary
  • Data ingestion: AA / encrypted bank uploads — consent-first.
  • Optimization engine: Server-side solver to pick low-interest cash-flow paths.
  • Prediction models: Short-term cashflow forecasts using transaction history.
  • Decision logic + XAI: Explainable suggestions in plain language.
  • Execution & reconciliation: Scheduled Dip-Pay & lender verification (backend & partner APIs required).
Prototype is UI-only; backend integrations are required for live execution and are labeled above.

User voices & where we'll find them

Illustrative quotes and the channels we will activate — aligned to timing & cashflow issues.

“Auto-pay se tension kam hua.”
— Mock: Ravi, kirana shop owner
“Simple plan, 1 click follow.”
— Mock: Anita, school teacher
“Small pay — big difference.”
— Mock: Sameer, gig driver
Where we'll recruit early users
KM
Kirana & small merchants
Daily cash flows; frequent EMIs — ideal pilots.
GP
Gig platforms & drivers
Irregular pay cycles — good fit for payday nudges.
MF
Microfinance / NBFCs
Existing borrower base and workflows for lender playbooks.
PR
Payroll / MSMEs
Sync salaries to reduce timing mismatch.
SH
Community groups / SHGs
Trusted channels for onboarding and commitment devices.
Surprising insight
Most EMI late-fees are caused by timing mismatch, not permanent income shortage. Fixing timing + small automated payments reduces penalty incidence — that's DebtPath's focus.
We welcome community groups, NBFCs, payroll providers and gig platforms.

Pricing

We earn only if you save.

Outcome-based (recommended)
Transparent share of independently verified interest saved. No upfront fee.
Premium (optional)
Monthly fee for priority negotiation & human support.

User Journey Roadmap & First Value Moment

User Journey Roadmap
Discover — User finds us because they are stressed about EMIs/debt.
Sign Up — Frictionless phone + OTP onboarding (90s).
Understand — Financial Stress Score explains why money feels tight.
Relief — Personalized ₹-saving plan + micro-action steps.
First Value Moment
User sees exact money they can save today (e.g., “Save ₹X / month”), producing an immediate “aha” and emotional relief — the primary conversion driver.
Production requires AA connectors, optimization engine & payment rails (backend).

FAQ

How is data used?
Only with your consent (AA or manual). Encrypted.
Is this a loan?
No — a planning & automation service.
Will this affect credit?
No — we optimise existing payments.
Ready to see your plan?
Quick demo — no commitment.