YieldPay · Prototype v0.2

GOOD MORNING

Arjun Sharma

AS

SPENDING VAULT

₹21,340.00

EARNING NOW

Interest this month

₹47.2300

Yield

6.8% p.a.

CREDIT LINE

₹9,420 / ₹21,340

Settles 5th April

44% used

SERVICES

RECENT TRANSACTIONS

Sw

Swiggy

Today · Dining

−₹485

+₹0.09 earned

HP

HP Petrol Pump

Yesterday · Fuel

−₹2,100

+₹0.39 earned

BB

BigBasket

Mar 27 · Groceries

−₹1,240

+₹0.23 earned

Deposit-as-you-go

Every UPI payment you scan flows directly into your Vault.

Align merchant QR code within frame

HOW IT WORKS

1

Scan any merchant's UPI QR code here

Works with Paytm, PhonePe, Google Pay QRs

2

Payment flows into your Vault first

Funds locked, earning yield immediately

3

Merchant paid instantly via credit

Zero friction, same UPI experience

SIMULATE A SCAN

Enter amount in rupees

Current vault

₹21,340

Scans today

0

Debt Rescue

Stuck paying only the minimum due every month? We'll show you the real cost — and build a clear exit plan.

The minimum due trap

You owe₹50,000

Min due (5%)₹2,500/mo

Interest rate42% p.a.

Time to clear (min due only)11+ years

ADD YOUR CREDIT CARD

Card last 4 digits Credit limit Current outstanding

We read credit limits to help you. We never store card numbers.

Pay with YieldPay

PAYING TO

Sw

Swiggy

swiggy@ybl

Amount

₹450

AS

Your Bank

₹450 → Vault

Credit → Swiggy

VAULT

Earning 6.8%

MERCHANT

Paid instantly

Tap Pay to see dual-stream

SETTLEMENT DAY

5th April, 2026

AUTOMATIC RESOLUTION

Spending Vault balance

₹21,790

Clears credit bill

₹9,870

Credit line resets to zero

You keep

+ ₹892

Interest on money already spent

CIBIL SCORE

780 → 792

+12 pts