We are building a digital financial services platform designed to connect consumers, retailers and financial institutions through a single technology ecosystem.

The platform brings multiple financial services together through a merchant-led distribution model, enabling local retailers to become technology-enabled access points for payments, banking and credit services.

Core Services

Our platform is being built across several high-frequency financial services, including:

• Digital payments, recharges and bill payments
• Aadhaar Enabled Payment System (AEPS)
• Micro ATM services
• Domestic Money Transfer (DMT)
• Cash Management Services (CMS)
• Merchant financial services
• Digital lending and loan distribution

The Opportunity

Our primary growth opportunity is the development of a large B2B merchant network across India.

We are targeting 30,000 active merchants over the next two years, with each merchant capable of generating transactions across multiple financial services.

This creates the potential for a scalable distribution infrastructure where the same merchant relationship can support:

Payments → Financial Services → Lending → Cross-selling

India has millions of small retailers and underserved consumers who already depend on local merchants for access to essential financial services. Our vision is to transform this existing retail infrastructure into a technology-enabled financial distribution network.

Long-Term Vision

The broader strategy is built around the combination of:

B2B Merchant Network + B2C Financial Services + Digital Lending + Technology

By integrating these components within a single platform, we aim to create a recurring-revenue financial services ecosystem with multiple monetization opportunities per merchant and customer.

The merchant network is expected to serve as the foundation for expanding transaction volumes while creating distribution opportunities for lending and other financial products.

Growth Capital

The company is currently seeking growth capital from strategic and financial investors to accelerate its next phase of expansion.

Capital will primarily be deployed toward:

• Building and scaling the Loan Origination System (LOS)
• Technology and product development
• Merchant acquisition and B2B network expansion
• Lending partnerships and financial-institution integrations
• Compliance, risk-management and operational infrastructure
• Working capital required to support growth

The investment will enable the company to strengthen its technology infrastructure, expand its merchant distribution network and significantly increase its capacity for loan distribution.

Why This Opportunity

The combination of a growing merchant network, recurring financial transactions and digital lending creates the potential for multiple revenue streams from the same distribution infrastructure.

The business is positioned around a fundamental market opportunity: bringing formal, technology-enabled financial services closer to India’s underserved consumers and small businesses through the retailers they already trust.

With the planned expansion to 30,000 active merchants, the objective is to build a substantial financial-services distribution layer capable of supporting payments, banking services and lending at scale.

Investment Profile

Stage: Growth / Expansion
Market: India
Capital Purpose: Technology, merchant acquisition, lending infrastructure, partnerships, compliance, operations and working capital
Investment Focus: Fintech • Digital Financial Services • Merchant Networks • Digital Lending • Financial Distribution

Investment Enquiries

YTC Ventures — Private Investment Opportunities

Email: investments@ytcventures.com
Call / WhatsApp: +91-9380376419