Tolling
A vehicle enters a toll road.
The vehicle is identified at the gantry, the corridor rate is resolved for its class, and the charge is settled to the concessionaire.
Financial infrastructure for the physical economy
Money is becoming intelligent.Commerce is becoming autonomous.
We build the financial technology infrastructure that connects people, vehicles, devices and machines to the world of transactions.
The next financial network will not live only inside a phone.
Digital payments changed the way people transact. The next transformation goes further: each of these physical interactions is a financial event waiting to happen.
From payment at the point of interaction to payment embedded within the interaction.
One infrastructure. Every transaction.
We bring together the technologies required to take a transaction from the physical world all the way to financial settlement.
Explore the platformIdentity is no longer limited to usernames and cards. Digital credentials, computer vision, vehicle recognition and device identity establish trust at the point of interaction, for a person or a machine alike.
- Person
- Vehicle
- Device
- Machine
- Asset
Transactions increasingly begin at the edge. Physical endpoints become intelligent transaction endpoints, able to authorise locally when the network is unavailable.
- Validators
- Gateways
- On-board units
- POS devices
- Cameras
- Edge AI
A unified transaction engine orchestrates financial interactions across national rails, smart cards, closed-loop instruments and machine-initiated microtransactions.
- UPI
- Cards
- NCMC
- QR
- Wallets
- Account-based
- Microtransactions
A single amount collected at a gate may be owed to five parties on five different terms. Fare calculation, entitlements, clearing, revenue sharing and settlement are the financial logic underneath.
- Fare calculation
- Entitlements
- Clearing
- Revenue sharing
- Settlement
A payment record states an amount. Infrastructure at the point of interaction can state the whole event: who, what, where, which asset, what price, and who should ultimately be paid.
Intelligence layerAI becomes part of the financial decision rather than a report produced afterwards. Is this genuine, is this concession valid, is the correct amount being charged, is revenue leaking.
Financial AI layer- 6
- Capability layersIdentity through to insight
- 10
- Payment railsOn one transaction layer
- 9
- Endpoint classesPhysical transaction points
- 5
- Entity typesThat can transact
Every transaction carries context.
A payment record tells you an amount. Infrastructure that sits at the point of interaction can tell you the whole event.
A payment system records
₹500 was paid.
Amount, timestamp, instrument. No entity, no entitlement, no asset, and no basis for splitting the money between the parties owed it.
See the intelligence layerOur infrastructure records
Who transactedA person, vehicle, device, machine or asset credential.
What they consumedThe service, journey or quantity behind the amount.
Where it happenedThe location and endpoint the interaction originated from.
Which asset was involvedThe validator, on-board unit, charger or gate on record.
What price should applyFare, tariff or tolling rule resolved at the point of interaction.
Whether they were entitledConcession, pass or benefit verified before the charge.
Whether it was genuineAnomaly and fraud checks applied inside the transaction.
Who should receive the moneyThe split across operators, infrastructure, platform and levies.
That context turns payment data into transaction intelligence.
When everything connected can participate in commerce.
The internet connected billions of people. IoT connected billions of devices. The next step is giving those connected entities the ability to participate economically.
PeopleThe person becomes the credentialEnter, authenticate, consume and pay collapse into one interaction across transit, events, campuses, retail and government services.Read moreVehiclesThe vehicle becomes the walletA vehicle already carries identity, location, movement and purpose. Connected to an account, it transacts for tolls, parking, charging and fleet expenses.Read moreDevicesThe endpoint authorises locallyValidators, gateways and on-board units decide at the point of interaction, and keep deciding when the network is not there.Read moreMachinesMachines become economic actorsChargers, meters and autonomous systems settle for what they consume without a human initiating each payment.Read more
One core technology. Multiple economies.
The same identity, transaction and settlement layer, applied to the economics of each sector.
All industries
MobilityTransit ticketing, account-based mobility, NCMC, tolling, parking and EV charging.- AutomotiveVehicle identity and vehicle wallets for tolls, parking, charging, fuel and fleets.
GovernmentCitizen payments, fees, benefits, concessions and municipal revenue collection.
LogisticsFleet wallets, route transactions, driver expenses and multi-party settlement.
UtilitiesEnergy, water and charging: metered consumption converted into settlement.
Retail and physical commerceIntelligent POS, customer identity, computer vision and frictionless checkout.
Built like deep tech. Consumed as APIs.
Financial infrastructure for the physical world needs more than a payment gateway: vision at the edge, inference on-device, and processing that keeps working when the network does not. A single request carries the entity, the endpoint it presented to, the amount, and the terms on which that amount is divided.
Entry
Vehicle wallet₹100.00
OrchestrationOrchestrate5 parties
Settlement- Service operator₹60.00
- Infrastructure₹20.00
- Platform₹10.00
- Government levy₹5.00
- Partner₹5.00
What the stack is made of
PaymentsTransaction switching, orchestration, fare engines, settlement and reconciliation.
Artificial intelligenceComputer vision, fraud intelligence, anomaly detection and visual identity.
Edge computingReal-time inference, offline-first operation and low-latency local decisioning.
Connected devicesValidators, on-board units, controllers, gateways, POS and sensors.
CloudCloud-native, API-first, event-driven transaction platforms.
SecurityEncryption, tokenisation, device authentication and zero-trust architecture.
From digital payments to autonomous commerce
Where people, vehicles, devices and machines interact economically with minimal friction. Each stage assumes the one before it.
The stages, in order
None of them replaces the need for the layer underneath.
Payments
Embedded payments
Contextual transactions
Connected commerce
Embedded finance
Machine-to-machine transactions
Autonomous commerce
Build on infrastructure made for the physical economy.
Tell us what you are building: a fare system, a vehicle wallet, a metered service, a connected terminal. We will show you which layers you need.