Sell in 10 minutes

Qualify, recommend, and close every lead before they drop off

Kyma is an AI Agent for financial products. It understands intent, contextualizes the right offer, and closes the sale. With memory across channels and past conversations, every customer interaction starts informed.

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WhatsApp Voice Coming soon + web, in-app, SMS, social — wherever your customer is

Engage

Meet every lead the moment they raise their hand — and actually understand what they're asking for.

Instant first response

Reach every lead the second they raise their hand — on the channel they came in from. Rich WhatsApp UX today (Lists, Buttons, CTAs, Flows), voice and other channels coming.

Reads intent, not menus

Kyma understands free-text conversation — vernacular, typos, half-questions and all. No decision-tree menus, no rigid forms that kill drop-offs. Just a salesperson who actually listens.

Memory that compounds

A lead who ghosts on Tuesday is picked up where they left off on Friday — by name, in context, even if they switch channels. Every conversation makes the next one smarter.

Sell

From "I might need a loan" to a signed, consented, KYC-complete application — without a human in the loop.

Consultation PAN Consent KYC Credit Check Offer Finalize

Intent-aware product matching

A salaried lead asking for ₹50K and a self-employed lead asking for ₹50K aren't the same conversation. Kyma surfaces the right product — personal, business, top-up, balance transfer — based on what the borrower actually needs.

Cross-sell in context

Existing customers get top-ups, BT offers, and secured upgrades surfaced naturally — only when the conversation warrants it. Kyma references repayment history and prior products by name, the way a real DSA would.

Closes the application

RBI-aligned consent gate before any KYC pull. Structured KYC via WhatsApp Flows, not free-text. Soft retries on PAN and identity mismatches so a typo doesn't lose a lead. Clean handoff to a credit officer at finalization.

Analyze

See your funnel as it actually behaves — every conversation, every stage, every drop-off — and act on it.

Stage-level conversion

Lead → engaged → qualified → KYC-complete → offer-accepted → disbursed. Know exactly where this lender's funnel breaks, by stage, by source, by product.

Intent & source attribution

What are leads actually asking for? Which DSAs, which lead-gen sources, which products are converting? Slice by intent tags, source pipeline, and per-DSA performance.

Compliance-ready transcripts

Every conversation is captured end-to-end for audit, QA, and RBI/DPDP compliance. Search transcripts by user, by stage, by outcome — and feed insights back into smarter conversations.

How It Works

Integrate

Connect Kyma to your stack via API — LOS / LMS, credit bureaus, core banking, CRM, and lead-source pipelines (Meta, Google, aggregators). No infrastructure rebuild required.

Configure

Define your loan products, eligibility rules, consent flows, and brand voice. Kyma adapts to your offer matrix and your DSA workflow — not the other way around.

Deploy

WhatsApp Business API live today (number you bring or we provision). Voice next. Web chat, in-app, SMS and social channels on the same conversation graph as we expand — your customer's history follows them.

Optimize

Watch conversion lift at every stage. Tune offer logic, intent prompts, and cross-sell triggers. The salesperson gets sharper with every conversation.

Meet the Team

Led by founders from 100X.VC, Tesla, and BrowserStack AI Labs, we bring deep expertise in conversational AI, lending workflows, and enterprise infrastructure. We're building the AI salesperson the lending industry has been waiting for.

VK

Vatsal Kanakiya

Co-Founder & CEO

DB

Dhruvin Bagadia

Co-Founder & COO

CS

Chaitya Shah

Co-Founder & CTO

Ready to sell financial products in minutes?

See how Kyma qualifies leads, recommends the right offer, and carries context across every customer conversation.