SOZO ADVISORY PRIVATE LIMITED

In their own words

Every day, millions of Indians pay through UPI. They feel good — because it's fast, easy, and free. But what they don’t realize is this: they just lost money. Banks are offering up to 25% back on credit cards — but users either don’t know it, don’t understand it, or don’t trust it. This is the silent tragedy of Indian fintech: The most rewarding payment method is the least understood. ● Hidden charges and blackout dates ● Too many cards, too many choices - decoding a maze of T&Cs, offers, milestones, and fine print. ● When to Use Which Card? - Juggle between rewards, milestones, CIBIL score, bill payment date before making a payment. ● Struggle to redeem points - This many points for this, that many miles for that, blackout dates, restrictions, fine print, etc. We’re not talking about a small leak. We’re talking about ₹261 trillion flowing through UPI with zero return, while credit card benefits go unclaimed. This isn't a niche inconvenience. It’s a massive market inefficiency hiding in plain sight. Because in a country where every rupee counts, losing rewards isn’t just a missed opportunity. It’s a broken system that needs to be fixed. The Solution We’re solving this not with discounts, not with gimmicks — but purely with intelligence. World’s First AI-Powered Personalised Payment App that turns every transaction into your smartest financial move. Here’s how it works: ● AI Driven Intelligence: Matches you with the perfect credit card set available in the market to maximize rewards. ● Seamless Credit Card Issuance: Partnerships with banks allow users to apply for and receive the recommended cards seamlessly within the app. ● AI Powered Smart Payment Selection: Automatically selects the most rewarding card for each transaction, eliminating the guesswork -while also optimizing for milestone benefits, CIBIL score improvement, annual fees waiver, etc. (Online and Offline both) ● Redeem Rewards: We track the points you've earned on your credit cards and our AI advises

Written by the company on its public Startup India profile. Not verified by us.