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CUSTOMERS

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Sales Cost

Servicing Cost

No Credible data

THE CHALLENGE

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THE SOLUTION

Needs a loan

Shares data

Sees loan offers

Accepts best offer

Receives loan

Increases business

Repays loan

Credit marketplace app

Consent Architecture

Credit market- -place

Paperless Contract

Trxn A/C & app

Payment app

Payment app

Aadhaar eKYC

Authorization API

Digi Locker

Loan offers API

eSign Digi LockerCF mobile

app

UPI

UPI

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FASTEST LOAN DISBURSAL IN INDIA

00:10:00

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Download the Capital Float app from Play Store

• Register an account

00:00:00

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Verify account via an OTP

• Get started with the loan application

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Select the loan amount, as per the business requirement

00:01:30

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Give consent so data can be analysed for loan eligibility check

00:02:15

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• eKYC check done with Aadhaar through the app

00:03:00

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• OTP from Aadhaar sent to registered mobile number for KYC verification

00:03:45

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Choose an offer from multiple banks and NBFC’s instantly

00:04:30

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Once the offer is selected, sign the loan agreement on the app itself

00:05:15

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• Loan agreement is viewable on mobile for reference

00:06:00

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• eSign the loan agreement and enter bank details for loan disbursal

00:06:45

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• eSign is verified with a certified signatory body like eMudhra

00:07:30

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HOW ISTACK WORKS“Money in bank” in less than 10 mins, using just a mobile app

• LOAN DISBURSED!!

• Monitor the loan on mobile once the funds are disbursed to account

00:08:15

00:08:00

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BENEFITSDriving lower costs

Traditional Lender Operating Expense: 5-7%

Capital Float Operating Expense: ~2%

Technology and business model drive cost downOSV of KY

Printing Loan Agreement

FOS for agreement execution

Physical document storage

Transaction Costs- NACH & PDCs

E-KYC

Digital Agreements

Cloud Storage of Docs

Transaction Costs - UPI