Priya, 24 · QA engineer in Coimbatore · first job
First salary, first system
Priya gets her first salary on the 30th. She wants a system that holds her plan together — not a spreadsheet she will abandon by month two.
Read the flow
Use cases · 10 narratives · 6 retail · 4 B2B
The same house. Ten kinds of work.
Each story below names a real persona, a real input, and the path Mukodi runs end-to-end. Helpers hand off across floors; the Courtroom signs every consequential verdict. Outcomes are anonymised but verified.
- Karthik, 31 · Swiggy partner + side gig delivery · Bengaluru
Income without a payslip
Karthik has earnings from three platforms and no payslip to show a lender. Mukodi turns the receipts into a story a credit team can read.
Read the flow - Mohan, 58 · retired teacher · Vijayawada · reads Telugu, types slowly
Speak in your language
Mohan does not want to type on a phone keyboard. Mukodi listens to him in Telugu and answers in Telugu — by voice, in text, or both.
Read the flow - Anjali, 34 · marketing lead · Mumbai · running a household and an EMI calendar
Mukodi notices when you're stressed
Anjali's messages turn anxious for a week. Mukodi notices the tone, softens its replies, and surfaces a helpline instead of pushing a goal banner.
Read the flow - Rashid, 41 · architect · Hyderabad · wants to leave the app cleanly
Your data, your rules
Rashid decides to stop using Mukodi. He wants every record gone — not buried, not aggregated. The app gives him the receipts.
Read the flow - B2B · An NBFC underwriting team · ₹20k–₹2L unsecured personal loans · 5,000 applications a day
Underwrite in 30 minutes
A mid-size NBFC wants to compress a three-day underwriting cycle into thirty minutes — without sacrificing the audit trail their risk committee reads.
Read the flow - B2B · A life insurer · 200,000 policy applications a month · IRDAI-licensed onboarding
KYC at scale
An insurer wants to run KYC at scale without paying a human reviewer for every easy case — and without an off-the-shelf OCR that bills per page.
Read the flow - B2B · A PSP's fraud SOC · 30M UPI legs a day · sub-second decisions or the transaction declines
Real-time UPI fraud
A payments service provider wants verdicts that fire before the UPI leg authorises — not minutes after, when the money is gone.
Read the flow - B2B · A lender's product team · personal loans · launching a digital funnel in one quarter
Loan origination, end to end
A lender wants a complete origination loop — discovery, KYC, score, decision, signature, audit — without stitching five vendors together.
Read the flow - Every Mukodi user · across every life stage and surface
The “add” tab — six modes, one memory
Whether a user types, speaks, snaps, files, forwards, or asks — Mukodi reads the input, classifies the intent, and writes one canonical memory. Six modes, one ledger.
Read the flow
Featured story · #1 of 10
First salary, first system.
A typical narrative arc — input, helpers in sequence, verdict, audit. Use this as the template for the other nine.
Priya, 24 · QA engineer in Coimbatore · first job
·Priya gets her first salary on the 30th. She wants a system that holds her plan together — not a spreadsheet she will abandon by month two.- Scene 01 · Sign in once, in TamilPriya enters her phone number, types a 6-digit OTP, and picks Tamil as her language. The app reads everything back to her in Tamil from the next screen.
- Scene 02 · Connect her salary accountShe picks her bank from the Account Aggregator bottom sheet, consents on her bank's screen, and watches her last six months of transactions land — categorised, tagged, and totalled.
- Scene 03 · See her own health scoreBy that evening, Mukodi has computed a financial health score from her income, EMI, and savings rate. The reasons are written in plain Tamil; the trend line shows the next three months.
- Scene 04 · Set a first goalPriya sets a six-month emergency fund target. The app shows a P10–P90 forecast band instead of a fragile single line — and tells her, gently, which month she is most likely to fall behind.
- Scene 05 · Ask Mukodi a questionShe asks, in Tamil, whether she should pre-pay her education loan or build her emergency fund first. The answer comes back with three reasons, each linked to her own transactions.
Helpers on call
Read full use case How to read this page
The legend behind the chips.
Retail
Each story names a persona (first job, gig worker, retired teacher, household lead, leaving the app cleanly) and walks through the scenes Mukodi runs to support them. Every step links to the feature page and the model behind it.
B2B
Each story names an operator (lender, insurer, PSP, lender product team) and walks through how the API surface delivers the outcome — score, verdict, extraction — with the audit chain a regulator can verify from outside.