Every UPI payment you make flows into a high-yield Vault first. Merchants get paid instantly via credit. You keep the interest. The credit card trap ends here.
A complete financial layer built on top of your daily spending. Not a credit card. Not a savings account. Something new.
Every purchase above ₹100 is captured into a Liquid Fund / Digital FD before the merchant is paid. Your money earns 6.8% p.a. on cash you've already "spent".
Core featureScan any UPI QR code in the app. The payment flows into your Vault first, then credit pays the merchant. Every transaction at any shop, restaurant, or fuel pump — instantly vaulted.
New · v0.2Add your existing credit card. We calculate exactly how long your minimum-due cycle will trap you, then build a YieldPay plan that uses vault interest to systematically clear your debt.
New · v0.2₹450 payment to Swiggy. YieldPay intercepts the transaction before money leaves your bank.
₹450 is locked in your Spending Vault — a high-yield liquid instrument. It starts earning immediately.
Simultaneously, our credit line pays Swiggy ₹450. The merchant sees instant settlement. You see nothing unusual.
On the 5th, the Vault auto-clears the credit bill. Zero default risk. CIBIL score improves. You pocket the interest.
Earns 6.8% p.a. on money already spent. Zero debt risk. Credit score improves automatically every month. A systematic exit from the minimum-due trap.
Instant settlement via credit network. No chargebacks from defaults. Access to YieldPay's high-intent, fully-backed customers.
100% collateralised credit. No bad debt. No revolving defaults. Every rupee of credit is backed by the user's own vaulted cash.
We're onboarding 500 founding users first. They'll get the highest yield tier and lifetime fee waiver.
Secure my spotNo spam. No card required. We'll reach out before launch.