Industry: FinTech | MSME Lending & Billing Automation
Location: India
Engagement: Ongoing (Started in 2024)
Technology Partner: Trisx Technologies

📘 Overview
Subcidys is a rising fintech startup on a mission to empower India’s 75M+ MSMEs by solving critical gaps in billing, collections, and credit access. Built for small businesses, Subcidys aims to be a one-stop platform for generating invoices, tracking payments, and securing working capital through embedded credit solutions.

To bring this vision to life, Trisx Technologies joined as the end-to-end tech partner—driving the design, development, and scaling of the Subcidys platform.

🎯 Project Goals
Launch a scalable MVP with real-time invoicing and payment tracking
Develop a bill-to-credit workflow connecting invoices to pre-approved loans
Integrate with key banking and NBFC partners via APIs
Create user-friendly dashboards for MSMEs, lenders, and admins
Ensure regulatory compliance and data security from Day 1

🛠 Trisx Technologies' Ongoing Contributions

✅ MVP & Platform Architecture

Built a cloud-native, modular system for flexibility and future scale
Delivered a lean MVP to validate user journeys and credit workflows
Ongoing enhancement of billing, payment, and dashboard modules

✅ Embedded Credit Engine (In Progress)

Real-time credit scoring based on invoice data and cash flow
Matching engine to connect users with the right lender in seconds
Auto-filled credit applications, mandate setup, and approval flows

✅ Bank & API Integrations (In Development)

Integrating with financial institutions for real-time transaction sync
GST and e-invoice APIs to verify business activity
Account aggregator frameworks for consent-based data sharing

✅ Role-Based Dashboards

MSME dashboard for invoices, payments, credit offers
Admin and partner panels with analytics, user management, and KYC verification
Future features: alerts, chat support, and repayment reminders

🚀 Current Status & Early Outcomes
✔ MVP launched and under controlled user testing
✔ 10+ lenders and financial partners being onboarded
✔ First batch of real invoice data flowing through the system
🔄 Iterative rollouts underway for credit, analytics, and multilingual support
📈 Positive feedback from early users on interface and speed

🔐 Technologies Used
Frontend: React.js for Web, Flutter for cross-platform app
Backend: Node.js microservices, Express.js
Database: PostgreSQL, Redis, Firebase
Security: SSL, OAuth 2.0, role-based access
Integrations: GST APIs, RazorpayX, Perfios, AA framework

💬 Client Feedback
“With Trisx Technologies, we’ve got more than just a development partner—they’re our tech strategy team. The platform is evolving fast, and we’re confident in its ability to scale with our mission.”
– Team Subcidys

🔮 What’s Coming Next
AI-based credit recommendations
Deeper rural outreach with multilingual onboarding
Agent-assisted MSME onboarding
UPI Credit & subsidy program integration

✅ Conclusion
Subcidys is still in its early phases—but with Trisx Technologies by their side, they’re laying the foundation for a bold new future in MSME finance. Together, we're building a platform that simplifies billing, speeds up collections, and opens real-time access to credit—empowering small businesses to grow fearlessly.