True Balance and HyperVerge Enable 3-Minute Digital Loans

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When Souparno Bagchi talks about money, he rarely uses the word loan first.

For him, it’s about need: a medical bill, a family emergency, a roof that leaks during the monsoon.

“Most of our customers aren’t buying their next iPhone,” he says. “They just need help, fast.”

True Balance’s journey from payments to purpose

The company began with a perpetual wallet product that built trust with over four million monthly active users. But as that user base grew, customers asked for something more.

Across India’s vast landscape, a critical economic reality persists: millions of individuals in tier-2 and tier-3 towns, earning modest incomes, have little access to fair, fast credit when life demands it. These are the teachers, shopkeepers, gig workers, and small entrepreneurs: people with legitimate needs but limited options.

True Balance saw this gap not as a market opportunity, but as a mission to democratize financial access.

So...

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