"Bachat ab darr nahi, taakat hai."

"Ab humari bachat, humari sharton par."

"Hum saath aaye, toh system badal gaya."

"Bank nahi, hum khud apne banker."

"Jo liya gaya, woh wapas milega — aur zyada."

"Bachat ab darr nahi, taakat hai."

"Ab humari bachat, humari sharton par."

"Hum saath aaye, toh system badal gaya."

"Bank nahi, hum khud apne banker."

"Jo liya gaya, woh wapas milega — aur zyada."

Investor Relations · Series Seed

The Infrastructure Play
for India's Financial Aazadi

First-mover programmable e₹ protocol in a ₹1.5T+ underserved market. Near-zero marginal cost per user. 80–90% gross margins. RBI sandbox application in progress.

The Gap No One
Has Closed Yet

India has 70 crore+ underserved individuals who save regularly but earn below-inflation returns and pay above-market rates to borrow. The informal group savings market alone is ₹1.5 trillion — manual, opaque, and unprotected.

No existing product combines sovereign safety, above-RD returns, below-loan borrowing costs, and group-level trust coordination on a single platform. Flenbox is that product.

Non-custodial — Flenbox never holds user funds. Zero balance sheet risk.
Zero-sum architecture — no lending, no credit risk, no NPA exposure.
RBI e₹ native — settlement on India's sovereign digital currency.
AI behavioural matrix — proprietary group matching, not CIBIL dependent.
Viral by design — groups of 10 means every user recruits 9 others.

Revenue Model

Enrollment Fee

One-time per group join

₹99–₹499

Transaction Fee

1–2% of monthly commitment

₹10–₹1,000/mo

Tier Upgrades

Unlock fee per tier

₹199–₹999

C-Club

Premium annual membership

₹4,999/yr

Break-even

50,000 active users

₹6.5 Cr/yr

Why This Moat Is Difficult to Replicate

Six structural advantages that compound with every user and every cycle.

RBI Sandbox — First Mover

Regulatory validation becomes the gold standard. Once approved, replication requires years. Sandbox approval is a structural moat, not a product feature.

Behavioural Data Flywheel

Every cycle generates proprietary payment behaviour data. AI matrix improves with each group. By cycle 100,000 the matching algorithm is essentially unassailable.

Network Effect — Viral by Architecture

Groups require 10 members. Every user is incentivised to recruit 9 others. Each group activation is an organic growth event. CAC approaches zero at scale.

Non-Custodial = Zero Balance Sheet

Flenbox never holds funds. No RBI capital adequacy requirements, no NPA risk, no deposit insurance obligations. Infinitely scalable with near-zero regulatory capital.

Sovereign Currency Lock-In

Built on RBI e₹ — not a private token. As e₹ adoption grows (target 1B transactions/day by 2030), Flenbox grows with the infrastructure itself.

Islamic Finance Compatibility

Zero-sum, no interest, no lending — structurally halal. GCC markets are a natural Phase 3 export with near-zero product modification required.

Where We Are Right Now

⚙️

Production-Ready Backend

107 Python Cloud Functions across 5 Docker containers. Full admin, app, fund, support and marketing domains. Redis cache layer.

✓ Complete

🏛️

Company Incorporated

Flenbox Technologies Pvt Limited incorporated 15 January 2026. CIN: U62099MH2026PTC465568. Mumbai. DPIIT application filed.

✓ Complete

📋

RBI Submission — 27 Pages

Full regulatory framework document submitted to RBI Innovation Hub covering CBDC alignment, zero-sum mechanics, simulation audits.

✓ Submitted

🏦

Bank Partnership Discussions

Active discussions with IDFC First Bank for G-sec custodianship and e₹ wallet integration. Bank sponsor required for RBI sandbox entry.

⟳ In Progress

📱

5 Frontend Applications

Customer app, admin dashboard, fund portal, support oracle, and marketing factory — all React SPAs with shared backend.

⟳ Final Testing

🚀

Beta Launch — Q3 2026

Invite-only beta targeting 10,000–50,000 users post-sandbox approval. Waitlist open. Early users get priority group placement.

→ Next Milestone

The Builder

👤

Vinod Dhawle

Founder & Director — Flenbox Technologies Pvt Limited

15+ years across Indian and global financial services — HDFC equity-derivative dealing, ICICI advisory, IIFL research. 8+ years coordinating multimillion-dollar global class-action settlements at DRRT for institutions including UBS, Credit Suisse, Allianz, HSBC, and top European fund houses.

Deep domain expertise in regulatory compliance, cross-border operations, portfolio monitoring, and risk management — combined with a solo-built, production-ready Python backend seeking RBI sandbox validation. Built with precision, commitment, and a singular focus on financial inclusion.

HDFCICICIIIFLDRRTUBSCredit SuisseAllianzHSBCRBI CBDCFintech

Use of Funds & Roadmap

Seed round focused on sandbox approval, bank integration, and beta launch.

Now — 2026

Seed Round

RBI sandbox approval — legal & regulatory
IDFC First / ICICI e₹ integration
Flutter mobile app (iOS + Android)
Compliance officer hire
Beta launch — 10K–50K invite users
DPIIT Startup India recognition

Target Raise

₹2–5 Cr

2027–28

Series A

Rural penetration — Tier 2 / 3 cities
Offline agent onboarding network
WhatsApp & kirana partnerships
SHG and women's group programmes
Multi-language UI (Hindi, Tamil, Telugu)
Target: 5–10 crore users

Revenue Target

₹650 Cr/yr

2028–30

Series B — Global

GCC markets — Islamic finance alignment
Southeast Asia — Indonesia, Philippines
White-label SaaS to central banks
Perpetual royalty — Indian IP export
India as global CBDC reference protocol
Target: 10 crore+ users

Revenue Target

₹1,300 Cr/yr

Express Your Interest

We are seeking seed-stage investors who understand the infrastructure opportunity in India's CBDC ecosystem. Vinod reviews every submission personally.

CompanyFlenbox Technologies Pvt Limited

CINU62099MH2026PTC465568

Investor Emailinvest@flenbox.com

StageSeed — ₹2–5 Cr target raise

🤝

Thank you — received.

Vinod will review your submission personally and reach out within 48 hours.

The Infrastructure Playfor India's Financial Aazadi