Financial infrastructure for Bharat’s merchants.
Ratan is building systems that help small businesses operate with clarity.
Built for small merchants. Pilot currently limited to early operators.
Ratan builds operational infrastructure for the informal economy.
Small merchants run on trust, memory, and paper.
Ratan replaces uncertainty with systems.
Heera — Merchant Operating Grid
Heera helps merchants understand their daily business.
Cash. UPI. Credit. Supplier payments.
All reconciled in one place.
Heera turns the daily closing of a shop into a clear system.
Currently free for early merchants.
Today's Shop Summary
- Sales ₹8,250
- UPI ₹4,350
- Cash ₹3,200
- Credit ₹700
Neelam — Reliability Index
Neelam studies financial consistency.
Built from behavioral signals.
Coming later.
Pilot Activation
HEERA is currently onboarding a small number of pilot merchants.
Access is granted manually to ensure early systems remain stable.
If approved, activation instructions will be sent on WhatsApp.
Founder Access
Early pilot merchants can speak directly with the founder.