Energy Innovation Circuit | Chapter 1

Multipl turns everyday spending into an investment opportunity by integrating savings and investments into daily financial habits. Through features like brand co-investments and spending via mutual funds, it helps users grow wealth while they spend, changing how individuals approach personal finance.

Fundfina provides cash-flow based financing to small businesses through an open credit infrastructure. It embeds AI-driven risk scores and lending products into platforms used by MSMEs. This helps retailers and merchants access working capital and supply chain finance without traditional barriers.

Boharr offers a Wealth Management Platform-as-a-Service (WM-PaaS) that helps banks and wealth firms deliver multiple investment products through one system. It covers CRM, transactions, revenue, and reporting via APIs. This lets institutions launch and scale wealth offerings without building infrastructure.

Rang De is a RBI-regulated peer-to-peer lending platform that connects individual lenders to underserved borrowers across India. It enables affordable credit for livelihoods, education, and small businesses through direct, transparent contributions. This helps bridge the credit gap in rural and low-income communities.

Wealthy Nivesh is a digital wealth platform that delivers personalized investment advice and execution for retail and mass affluent investors. It combines data-driven insights, advisor support, and tech tools to simplify mutual funds, bonds, unlisted shares, and more. This bridges the gap between DIY apps and high-cost wealth managers across India and the Middle East.

Dhiway provides data assurance infrastructure using its own population-scale ledger, CORD. It helps enterprises and governments tokenize, verify, and reuse data securely across ecosystems. This solves for fraud, inefficiency, and lack of trust in digital systems.

Covrzy provides API-first infrastructure for commercial insurance. It sells directly to startups and SMEs, and embeds insurance into platforms as a feature. This removes agents and paperwork, making coverage simple and contextual for digital businesses.

Mysa is building the finance automation layer for modern Indian businesses. It streamlines spend management with bill submissions via Slack or email, AI-powered validations, ERP integrations, and in-app payments reducing manual effort and brings clarity, control, and speed to finance operations.

Komplai reduces the manual workload finance teams and founders face in bookkeeping, compliance filings, and reconciliation, which takes 30–50 hours each month. By combining AI agents with human oversight, it automates accounting and compliance tasks, helping SMEs and mid-market businesses manage finance operations efficiently.

Saventh is a personal finance platform that helps working Indians manage money through investing, tax planning, insurance, and goals. It partners with employers to guide first-time investors using digital tools and personalized support. This makes financial planning simple, accessible, and action-focused for every employee.

Butter Money is an AI-led digital mortgage platform simplifying India’s home loan journey by drastically reducing processing time, offering personalized bank deals from over 30+ lenders. Homebuyers get transparency and speed, while banks boost conversions.

Signalz bridges the gap between retail investors seeking regulated stock market guidance and SEBI-registered Research Analysts with limited digital reach. Through a full-stack marketplace, it enables investors to discover and subscribe to verified analysts, while providing analysts with tools for compliance, content delivery, and sustainable business growth.

Castler is building the escrow infrastructure layer for digital businesses in India. It enables enterprises to manage secure,compliant, and programmable fund flows by integrating directly with banks. Castler also offers source code escrow through CastlerCode, helping regulated and enterprise clients ensure software continuity and IP protection.

AbleCredit is a GenAI agent that replaces manual underwriting for MSMEs with limited financial records. It uses data from documents, voice, and images to make credit decisions without human input. This enables lenders to assess complex, undocumented borrowers at scale.

Lark Finserv enables wealth platforms, brokers, and NBFCs to offer instant loans against mutual funds through an easy-to-integrate infrastructure layer. By connecting directly with mutual fund record keepers and automating the process of locking and unlocking pledged units, along with valuation and disbursals, it helps unlock credit from mutual fund holdings without selling investments or relying on credit scores.

BoxPay solves the fragmentation in global payments by giving online merchants a single AI-powered platform to reach more customers, route payments intelligently, and reconcile effortlessly across 35+ gateways and 300+ methods all through one seamless integration.

PensionBox tackles the gap in pension coverage that leaves most Indians unprepared for retirement. By enabling users to create personalised pension plans, track savings, invest in
regulated products, and plan withdrawals, the platform helps individuals and employers build secure retirement benefits as life expectancy and costs rise.

Clevernav builds AI agents for insurance sales and servicing. It uses Voice AI and GenAI to handle customer conversations and processes with minimal input. This helps insurers reduce effort, increase conversions, and improve customer understanding.

Maximize is a smart shopping platform that combines all savings layers- coupons, gift cards, payment offers, and loyalty rewards into one checkout. It works across 350+ brands and lets users save instantly without switching apps or doing manual comparisons. This turns every transaction into the best possible deal, by default.

Xaults is a deep-tier supply chain financing platform, leveraging distributed ledger technology (DLT), smart contracts, and programmable CBDCs to radically improve financial accessibility for small and medium enterprises (SMEs) beyond Tier-1 cities. The platform connects traditional banks and all layers of the supply chain, enabling seamless, secure, and affordable credit not just for top-tier suppliers but for every participant, including those lacking formal credit scores or documentation.

An online platform providing customizable liability insurance solutions tailored for startups and SMEs. It offers real-time quotes, underwriting, and claims processing, covering 18+ insurance products including cyber, crime, asset, marine, engineering, group health, and liability insurance. The platform prioritizes transparency, fast policy issuance, expert 24/7 claims support, and easy policy management, serving over 4,000 Indian businesses with tech-enabled insurance solutions.

Finsall is an insurance-first BNPL fintech that lets customers finance general insurance premiums (motor, health, fire, etc.) via easy monthly installments with no collateral, no paperwork. They offer a plug-and-play Credit-as-a-Service (CaaS) via API to insurers and intermediaries, earning interest spreads.

INKA is an AI-powered insurance advisory startup that simplifies insurance decisions through personalized data insights. Using 2,400+ variables, INKA generates an “Inka Insurance Report (IIR)” in 60 seconds – offering unbiased, need-based recommendations. INKA bridges the gap between awareness, advice, and access in insurance.