GOOD MORNING
Arjun Sharma
SPENDING VAULT
₹21,340.00
Interest this month
₹47.2300
Yield
6.8% p.a.
CREDIT LINE
₹9,420 / ₹21,340
Settles 5th April
44% used
SERVICES
RECENT TRANSACTIONS
Swiggy
Today · Dining
−₹485
+₹0.09 earned
HP Petrol Pump
Yesterday · Fuel
−₹2,100
+₹0.39 earned
BigBasket
Mar 27 · Groceries
−₹1,240
+₹0.23 earned
Deposit to Vault
Add a lump sum and let it grow at 6.8% p.a. while you save for what's next.
VAULT BALANCE
₹21,340.00
QUICK AMOUNTS
CUSTOM AMOUNT
FROM
HDFC Bank ••5678
Change
WHY VAULT
Pay with YieldPay
Scan any merchant QR — your money lands in the Vault, merchant gets paid instantly via credit.
Align merchant QR code within frame
HOW IT WORKS
Scan any merchant's UPI QR code
Works with Paytm, PhonePe, Google Pay QRs
Payment flows into your Vault first
Funds locked, earning yield immediately
Merchant paid instantly via credit
Zero friction, same UPI experience
SIMULATE A SCAN
Current vault
₹21,340
Payments today
0
Expense Tracker
Auto-categorised from your YieldPay activity. No tagging, no spreadsheets.
SPENT THIS MONTH
₹9,420.00
CATEGORIES · APRIL
78% of ₹4,000 budget
42% of ₹5,000 budget
36% of ₹5,000 budget
31% of ₹5,000 budget
26% of ₹3,000 budget
💡 INSIGHT
Dining is 78% through budget with 8 days left this month. Skip 2 deliveries to stay under.
RECENT · AUTO-TAGGED
Swiggy
🍽️ Dining · auto
−₹485
HP Petrol Pump
⛽ Fuel · auto
−₹2,100
BigBasket
🛒 Groceries · auto
−₹1,240
Myntra
🛍️ Shopping · auto
−₹1,560
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
YieldPay · Prototype v0.3 · Investor Demo