The settlement layer
for Indian B2B trade.
Funds stay locked the moment a job is created, and release the instant a delivery is verified by a GPS geofence and a destination OTP. The driver, transporter, forwarder and seller are all paid in the same moment, not 45 days later.
Two products. One rule: no delivery, no transaction.
Hold & release
A closed-loop escrow wallet with no ceiling. Load it over NEFT, IMPS or UPI, hold the value against a job, and release it on verified delivery, all from WhatsApp.
Proof of delivery
The verification layer: GPS geofence plus destination OTP, validated server-side with anti-spoof detection. The signal that moves the money.
B2B trade is the backbone of the economy, yet money still moves the way it did in 1995: on invoices, 60-day credit and manual reconciliation, leaving the person who actually moved the goods last in the queue.
Open account
Goods ship on trust. Payment waits 45 to 60 days on an invoice, a dispute, and a hand-matched delivery note.
UPI Autopay
India already learned to pre-authorise money and release it on a trigger. The problem is the trigger itself: a merchant's bill, not what actually happened on the ground.
Release on delivery
OZU keeps the pre-authorised mandate and changes the trigger: money moves the instant the goods are verified at the door.
Money moves on proof, not paperwork.
Neither signal is enough on its own. GPS can be spoofed, and an OTP can be read out over a phone call from anywhere. Together they form a physical-presence attestation, and that is the only thing that releases the escrow.
GPS geofence
The delivery enters a set radius around the destination: 50 metres in a city, and wider for ports and industrial sites.
Destination OTP
The consignee reads a one-time code, validated server-side at the moment of handover.
Every rupee moves only when a delivery is verified.
No delivery, no wallet transaction. That constraint is the whole product.
Built as B2B infrastructure, not a consumer wallet with a business label.
Escrow wallet
No ceiling on holdings. A loaded balance belongs one-to-one to the business that loaded it, with no cut taken at top-up.
Verified release
GPS geofence + destination OTP. The timestamp is the record, so delivery-date disputes stop happening.
Atomic settlement
One release, four payouts, same instant. A split table executes on verified delivery. Nothing trickles down.
WhatsApp native
Load funds, create a job, trigger a release and read the confirmation, all from a chat. No app to install, and no dashboard to learn.
Large B2B flows where trust is expensive.
High value, predictable volume, and a hard need for audit trails on every drop.
Cross-leg journeys with milestone releases and multi-party splits across the chain.
Bulk shipments where working capital shouldn't sit stuck in 60-day cycles.
Trust is also earned by association. OZU is backed by Rishabh Pant, one of India's most followed cricketers and a signed strategic investor, whose name reaches the small business owners, transporters and drivers the wallet is built for. It is a channel no advertising budget can buy.
Settlement runs on real GPS + OTP events, not scraped invoices, surveys or estimates.
A closed-loop wallet on IDFC FIRST Bank's PPI rails. The money is never OZU's asset; it returns to the business that loaded it.
Every verified settlement compounds into a portable record of who pays on time, the foundation for the credit layer to come.