Kayya

Kayya is an embedded financing platform for service businesses, letting them offer clients pay-over-time plans directly. An AI-powered engine automates approvals, risk scoring, and payment collection, while the Vault Dashboard and a smart CRM help businesses track revenue, cash flow, and client retention. Under the hood it integrates Stripe, Plaid, Didit, CRS, and other financial services.

• //60-second client financing — Frictionless application flow that approves clients in about a minute.
• //AI risk engine — Real-time risk scoring and repayment optimization on every application.
• //Vault Dashboard — Revenue, cash flow, and client-retention tracking in one place.
• //Smart CRM — Automated client communication and payment reminders that cut delinquency.
• //Integrations — Stripe and Plaid wired into the payment and verification flow.

• //Lead development as the lead developer for the entire app
• //Built the entire frontend of the web apps using Nextjs and Tailwind, integrated with backend APIs
• //Built backend APIs using NestJS and Nodejs, integrated with third-party services like Stripe, Didit, CRS, and more