What we're building?

Not another payment app or another analytics dashboard.
A logic layer that sits before payment rails (UPI/cards/CBDC) and lets rules decide how every transaction behaves.1. For consumers: Automate which account pays, block impulse spends, or set daily limits.
2. For merchants: Enable split payments of single transaction or programmable offers at checkout.
3. For banks: Launch programmable card or wallet products without changing core infrastructure.

Who it's for?

Unified Financial View- All your bank accounts, cards, and UPI handles in one dashboard.- See total balance, individual accounts, and recent transactions instantly.- Every expense is auto-categorized across all apps and cards.- Cash-flow charts show income vs expenses and predict upcoming balances.

Personalised AI Guidance- Simple, privacy-first insights into spending behaviour.- Flags duplicate subscriptions, unusual spend patterns, or low balances.- Helps you make better decisions without taking control away from you.- Works securely, learning only from your data and public financial rules.

Smart Spend Control- Set rules before a payment happens.
Examples: weekly spend caps, limits on number of orders, category-based account selection, time/geo restrictions.- Fully flexible and user-consented.- Helps you spend intentionally and stay within budget.

Integrated UPI Payments- Full UPI functionality built into Strokk.
Peer transfers, merchant payments, bills, recharges, auto-debits - all in one place.- No app-switching or SMS/email scraping.