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Mapayl Leancanvas

MaPayl is India's first community-based lending and borrowing marketplace that allows 18-22 year old college students to borrow money up to Rs. 50,000. It uses a proprietary machine learning algorithm to generate "MaPayl scores" for members based on more factors than traditional credit scoring agencies. The algorithm has a 94% success rate. MaPayl offers fast loans within 10 minutes of KYC completion and allows customers to build their credit scores by borrowing and repaying on the platform. It has no competitors in India using this peer-to-peer lending model without involvement of NBFCs.

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Uttaran Nayak
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53 views1 page

Mapayl Leancanvas

MaPayl is India's first community-based lending and borrowing marketplace that allows 18-22 year old college students to borrow money up to Rs. 50,000. It uses a proprietary machine learning algorithm to generate "MaPayl scores" for members based on more factors than traditional credit scoring agencies. The algorithm has a 94% success rate. MaPayl offers fast loans within 10 minutes of KYC completion and allows customers to build their credit scores by borrowing and repaying on the platform. It has no competitors in India using this peer-to-peer lending model without involvement of NBFCs.

Uploaded by

Uttaran Nayak
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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“Resources for loans under ₹50000 are

MaPayl, is India's first community-based


Our Machine Learning Algorithm is the first in the country
18-22 years college students, who have the capacity

extremely limited.” MaPayl has its own proprietary algorithm for


which we have got at such a success rate. The factors taken

Lending & borrowing marketplace that is


to repay the money, but have money issues

generating MaPayl scores for all its community


for calculating our score and generating such transparent

80% of India's employees live paycheck to


managing pocket expenses in a month.
equitable, empowering, technology and
members. This score takes much more input about
results cannot be copied.
paycheck. The young working population will comprise mostly

community-driven. our customers than CIBIL, CRIF, or any other agency.

Our security is our second-most unfair advantage.


the lenders and some borrowers as they have a

60% of Indians cannot cover a ₹20,000+


We have run our model and it has a success rate of

No NBFCs, no mediators in between Transaction of money needs at par trust on the platform by
steady flow of currency coming which they can earn

emergency 94%.
Borrow on your own terms the customers. We are making it one of the most secure
by lending here.
MaPayl is deployed in AWS with FIDO2 security with

20% is the average interest rate charged


websites and apps in the country. Housewives will be there, especially from tier-1, tier-

Lenders earn when they lend through


a PCI DSS verification, which only 1% of current-day

per annum on short-term microlending


2 city
MaPAyl P2P startups possess. The third unfair advantage would be, we have no competitor in

The retired population will be a key player in lending

platforms Our vision is to provide the loans within 10 minutes


this segment yet, so we enjoy first-mover startup growth.
and borrowing as they have the most time, and they
49% of loans disbursed are pay-day under
after KYC, the fastest in the country.
Borrower negotiates with a Lender on the interest rates, in a
look for alternate financial investments to boost

Customers can build their MaPAyl as well as their

₹50,000 country that is fuelled with NBFC and banks cutting the throat
their surplus fund.
CIBIL scores by borrowing and repaying in our

of common citizens, this will be our 4th unfair advantage


platform.

College communities of NIT, IITs, and

No competitors in India. All the other P2P


Number of customers with successful
MaPayl is the Zerodha of P2P lending
Directly from our app or web app BITs.
startups have the same NBFC-based model,
repayments
where people lend for 1 year at 9%, and the
& borrowing Whatsapp communities, main target Corporate communities of tech

Number of potential customers


NBFC loans out that money at 20%, eating
MaPayl is the Uber of P2P loans College cells, societies companies, finance companies, and

leaving before KYC


the rest. College sponsorships so on.
Our customer engagement in the
The alternatives to the NBFC model
MaPayl store
rupeecircle
lendenclub
lendingbox
faircent

Webapp
Transactional Model: 0.5-1% as a platform fee
Domain & Hosting
MaPayl Store Commissions: MaPayl will partner with growing E-commerce brands where our

App development
Startup registration & compliance
community will get exclusive discounts through MaPayl coins.
Regulations & Licensing In-App subscriptions: Faster credit within 5 minutes, MaPayl Plus for lending & borrowing between

Marketing premium credit users.


CAC - ₹1500 Financial Products: From P2P to diverse financial products like Pay in 2 months/3 months, credit line.

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