Digitalisation this, Digitalisation that.And yet your business is doing more than anyone can prove.

BYB reads your client's GST, bank, and ITR footprint and issues a two-section Credit Passport — Section A verifies the data with six coherence checks, Section B adds CA projections, DSCR, and working capital eligibility. Co-signed by you, the CA.

Watch the 90-second demo Apply for CA pilot →
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CAs already signed up for the Trust Score pilot
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Coherence Reports issued — bank-ready, CA-signed
2–3 days→3 mins
The data-wrangling chore we replace — the part of the credit file a junior associate burns days on.
What we're building

A coherence engine + projection layer — does the data tell the same story, and where is it heading?

The same question a credit analyst asks — answered in three minutes by a machine that talks directly to the source.

01
Banks moved to digital underwriting.
One mismatch in the file rejects the loan — without a human ever opening it.
02
But the prep work is still manual.
A CA's junior associate spends days downloading PDFs, uploading data, squinting at spreadsheets — just to assemble the credit file the algorithm reads.
03
We replace that service layer — Section A.
BYB connects directly to GSTN and the RBI Account Aggregator — runs a 6-point coherence check (Section A), then layers on ITR-based projections, DSCR, and working capital eligibility (Section B). All in 3 minutes.
04
Output: a two-section Credit Passport.
Section A: verified data from regulated sources — coherence checks, manipulation detection. Section B: CA professional assessment — 3-year projections, DSCR, working capital eligibility. Banks know exactly which numbers are machine-verified and which are professionally attested.
05
Then it runs every month — with bill upload.
SME photographs purchase bills and sends them to BYB on WhatsApp. OCR extracts supplier GSTIN, invoice, amount. Matched against GSTR-2B automatically. ITC mismatches surface before the deadline — no Tally, no manual entry.
06
India-first. Not India-only.
We start here because we know the home market best. The coherence engine itself ports anywhere there are regulated financial rails.

We don't replace the CA's judgement. We replace the three-day chore underneath it.

Rajasthan Textiles Pvt Ltd
Credit Passport
Green
74/ 100
All three data sources consistent.
GST–bank variance within normal range.
Revenue pattern stable over 12 months.
📊GST vs bank coherence
7.7% — Pass
📈Revenue consistency
Pass
👥Payment diversification
87 payers — Pass
🧾Expense coherence
Pass
📉Growth trajectory
+6.2% MoM — Pass
💳Debt service indicators
7.8% — Pass
📐DSCR (projected)
1.25 — Pass
🏦WC eligibility (Nayak)
₹39.6L — Pass
Trust Score + Credit Passport

The verification layer Indian SME finance has never had

Six coherence checks plus CA projections. Two independent regulated sources. A two-section Credit Passport — Section A for verified data, Section B for professional assessment with DSCR and working capital eligibility. One document a bank can trust on sight.

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How it works

How Trust Score works

01
CA invites the SME on WhatsApp
Drop the GSTIN. BYB sends a DPDP-2023 compliant consent link on WhatsApp. Client clicks once — that's it.
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02
Coherence checks + projections run live
BYB pulls 12 months of GST + bank data, runs six coherence checks (Section A), then generates ITR-based projections, DSCR, and working capital eligibility (Section B). Each step transparent on the dashboard.
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03
You sign. Bank accepts.
A cryptographically signed Credit Passport — Section A verified data + Section B professional assessment — with your CA name on it. Bank-ready, lender-ready, no second-guessing.

Trust Score and Credit Passport — our full financial verification layer — are in closed pilot. Join the waitlist to be among the first businesses and CAs to access it.

For Chartered Accountants

Your judgement still signs the report. We just kill the three-day chore underneath it.

BYB is the layer that does the data work — pulling tax filings, fetching bank statements, running coherence checks, generating projections and DSCR calculations. The CA's signature, judgement, and client relationship stay where they are. The drudgery doesn't.

Apply for CA pilot access
🗂️
No more PDF download taxWe pull GST returns + bank statements straight from the source via GSTN and the RBI Account Aggregator. Your team stops being a download/upload service.
✍️
You sign. You judge.The Coherence Report carries your CA name and ICAI number. Your judgement is what banks accept — we just hand you a verifiable record to back it up.
🔁
Monthly GSTR-2B + bill upload reconciliationSMEs upload purchase bills via WhatsApp — OCR extracts and matches against GSTR-2B automatically. On the 15th of every month, ITC mismatches surface before the filing deadline. No Tally, no manual data entry.
📈
A premium service line, not extra labourBill the Coherence Report as a credentialing product. Pilot CAs charge ₹3,000–₹8,000 per report — the work runs in 3 minutes, not 3 days.
FundMap · free

Not ready for a Coherence Report yet?

Try FundMap — five quick questions, a sector-benchmarked capital number in 30 seconds. Use it to scope the conversation before you put a client through the full Trust Score flow.

Try FundMap
Get started — free

See it run end-to-end.

Take the 90-second click-through demo and see how Trust Score turns one SME's GST + bank footprint into a bank-ready report — co-signed by you.

Watch the demo → Apply for CA pilot →

BYB is a technology platform, not a financial advisor. All credit and lending decisions rest with the bank and the CA of record.