Most small merchants close their shop without knowing what they actually earned that day.
Cash. UPI. Credit. Supplier payments.
Everything lives in different places.
Nothing connects it.
At the end of the day, most shop owners rely on guesswork.
Pilot currently limited to early operators.
How most shops operate today
UPI lives in payment apps.
Cash lives in the drawer.
Credit lives in a notebook.
At the end of the day, everything is counted manually.
Most merchants never see a clear picture of what actually happened in their shop.
Ratan builds operational infrastructure
for the informal economy.
Small merchants currently run on memory,
paper, and fragmented apps.
Ratan replaces that with systems.
Heera — Merchant Operating Grid
Heera turns the daily closing of a shop into a clear financial summary.
Cash.
UPI.
Credit.
Supplier payments.
All reconciled into one simple summary.
Currently free for early merchants.
Today's Shop Summary
- Sales ₹8,250
- UPI ₹4,350
- Cash ₹3,200
- Credit ₹700
Neelam — Reliability Index
A reliability index built from merchant behavior.
Why we started building Heera
My father ran a small shop for years.
Every night he counted cash and tried to understand what the shop actually made that day.
When digital payments arrived, things became even harder to track.
Heera started from that problem.
Founding Merchant Program
We are onboarding the first 50 merchants to help shape the system.
These operators will define how merchant infrastructure should work.
Founder Access
Early pilot merchants can speak directly with the founder.