# Approach to Market

### Target Customers

Rupi sells to stablecoin-native financial platforms that already have users holding and transacting in stablecoins, but lack the infrastructure to underwrite those users for credit products. The integration is B2B. Rupi never interacts directly with end users — it is always embedded within a platform's product experience.

The common thread across all customer types: they have the users, they have the data, and they have the distribution. Rupi gives them the underwriting infrastructure to monetize it.

**Neobanks and digital wallets**

Regional neobanks in LATAM and SEA have large user bases of stablecoin holders with months or years of account history in their systems. These users are currently issued prepaid cards with zero credit exposure. Rupi connects directly to the neobank's account data API, generates a VIP from their own user records, and enables them to convert zero-margin prepaid users into revolving credit customers — without changing their user acquisition strategy or onboarding flow.

**Crypto exchanges**

Exchanges hold some of the richest stablecoin financial data available: deposit histories, withdrawal patterns, balance behavior, and in many cases KYC-verified identities. When an exchange wants to offer a credit card, a loan, or a credit line to its users, Rupi becomes the underwriting layer. The exchange passes its user's transaction history to Rupi, receives a VIP and risk score, and makes a credit decision — all within its existing product surface.

**Card issuers and BIN sponsors**

Regional issuers seeking to expand crypto card programs from prepaid to credit integrate Rupi to receive risk scores for applicants whose income is entirely on-chain. Rupi fits directly into the existing credit decision workflow: the issuer calls `GET /risk-score` at the point of application, receives a composite score and recommendation, and applies its own credit policy on top.

**Payment platforms and remittance apps**

Platforms that process recurring stablecoin payments or remittances hold data on consistent inbound transfer behavior — a strong income proxy. These platforms can integrate Rupi to offer embedded credit products (salary advances, short-term credit lines) directly within their payment experience, underwritten by the cash flow data they already hold.

**DeFi lenders and on-chain credit protocols**

Protocols offering undercollateralized or cash-flow-based lending require a verifiable off-chain income signal. Rupi's VIP and risk score are designed to be directly consumable by on-chain lending protocols as an oracle input, enabling credit decisions based on verified real-world income rather than collateral alone.

### Pricing

{% hint style="info" %}
**contact sales for pricing**
{% endhint %}


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