How it works Features Pricing Our story Start on WhatsApp
WhatsApp Native Platform

AI that secures every business deal.

Smart contracts, milestone escrow, legal enforcement.
All from a WhatsApp message.

Start on WhatsApp — Free See how it works →

No app· No credit card· 2.5% fee only when work is done

Escrow Balance
₹40,000
Secured — releases on approval
Milestone 2 of 367%
RBI Compliant
PAKKA Score· Priya K.
94/100
Top 8%· 23 verified projects
Verified Pro
Four Layers of Protection

Every commitment enforced. Automatically.

Activated from a single WhatsApp message. No new app. No forms. No friction.

Legal Enforcement Engine

When someone ghosts — our lawyer-drafted demand notice is generated in 10 minutes, delivered via WhatsApp, Email, and Registered Post simultaneously. Nobody escapes, and it costs less than a cup of chai.

Court-admissible under Indian Contract Act 1872
Served via 3 channels simultaneously in 10 minutes
Built by a practicing lawyer — our star moat
The First · Impossible to Copy Fast
Legal Engine Activated
Formal Demand Notice
Generated in 10 minutes· Lawyer-drafted
1
Notice drafted under Indian Contract Act 1872
2
Digital signature + timestamp applied
3
Served via all 3 channels simultaneously
WhatsApp
Email
Post
P
Pakka AI
Freelancer ghosted after ₹15K advance. Help!
Legal Engine activated
Notice served to all 3 channels. Your advance is secured by escrow — no loss.

Milestone Escrow

Full project amount held in RBI-compliant escrow. Releases only when milestones are approved — as instant UPI transfer. No T+1 delays. Zero risk for either party.

RBI-compliant nodal account
Milestone-gated atomic UPI releases
Freelancer works knowing payment is guaranteed
RBI Compliant· Instant UPI
Live Escrow Dashboard
Escrow Balance₹40,000 Secured
Milestone 1 — DesignReleased
Milestone 2 — DevIn Progress
Milestone 3 — TestingPending
Milestone 2 of 3· 67%

AI Smart Contracts

India-law compliant contract generated in 60 seconds from a plain WhatsApp message. Both parties sign via Aadhaar eSign — legally valid under IT Act 2000. No lawyers required.

Generated from plain-language WhatsApp messages
Aadhaar eSign — IT Act 2000 compliant
Signed in WhatsApp, no app download needed
60 Seconds· Aadhaar Signed
Contract Generated
Service Agreement
IT Act 2000· Indian Contract Act 1872
Scope, amount & milestones defined
Client signed via Aadhaar eSign
Freelancer signed via Aadhaar eSign
Legally Valid
⏱ 60 Seconds

PAKKA Score & Ghost Registry

Reputation from verified completed transactions — not self-reported stars. Confirmed ghosts are permanently blocked. Gets safer as more people join.

Transaction-verified — cannot be gamed or bought
Ghost Registry permanently blocks bad actors
Classic data moat — compounds with every project
Network Effect· Gets Safer at Scale
PAKKA Score Profile
PAKKA Score
94/100
Top 8%· 23 verified projects completed
On-time Rate96%
Ghost RegistryClear
Aadhaar VerifiedYes
NEW· Pillar 2

AI Revenue Operations

JustPaid.ai (YC 2023) proved that AI can automate B2B billing for US SaaS companies. We built the same for India's 7.34 crore MSMEs — but using WhatsApp as the contract source instead of DocuSign, and UPI instead of Stripe.

Auto-generates GST-compliant invoices from WhatsApp deal data
Smart payment reminders calibrated to relationship + overdue history
Bank reconciliation: auto-matches UPI payments to open deals
Auto-files GSTR-1 and GSTR-3B via ClearTax API
JustPaid.ai for India· 7.34 Crore MSMEs
AI Revenue Dashboard
GST Invoice #INV-2847Auto-Generated
Priya's Dev Studio· ₹40,000Pending
GSTR-1 FilingFiled
UPI Match: ₹15,000Reconciled
vs JustPaid.ai (US)
WhatsApp = the contract (no DocuSign)
UPI-first, not Stripe — instant settlement
Hindi, Tamil, Telugu — not English-only
Legal enforcement built-in (they have none)
How It Works

Simple as a WhatsApp message.

No new app. No forms. Start a fully protected project in under 3 minutes.

01
Send brief on WhatsApp

Message Pakka AI with scope, freelancer contact, amount, and deadline. Plain language works.

02
AI generates legal contract

India-law compliant, milestone-based. Both parties sign via Aadhaar eSign in WhatsApp.

60 seconds
03
Client deposits to escrow

Full amount held securely. Freelancer works with confidence knowing payment is safe.

RBI Compliant
04
Approve → payment in 60s

One-tap approval on WhatsApp. Instant UPI transfer to freelancer. No delays, no awkward follow-ups.

Instant UPI
05
Ghost? Legal Engine fires.

Demand notice generated and served via WhatsApp, Email, and Registered Post in 10 minutes. Nobody escapes.

Auto-enforced
06
PAKKA Score updated

Both parties earn verified reputation from completed transactions. The network gets safer with every project.

Network Effect
Competitive Landscape

We occupy a category nobody else built.

17 competitors analyzed. Not one offers WhatsApp-native legal enforcement. Not one closes the full loop: contract → escrow → release → legal action — from a single message.

Upwork & Fiverr
20%
flat commission on every transaction — regardless of project size. Zero legal enforcement. No WhatsApp.
Vouch India· Closest Competitor
₹66,500
total revenue in 5 years. Zero legal engine. No escrow. No Aadhaar eSign. We beat them on Day 1.
Pakka AI
2.5%
only when work is successfully delivered and approved. Zero if the project fails or is ghosted.
Capability Pakka AI Upwork / Fiverr Castler / Escrow.co Vouch India Status Quo
AI contract (60 sec) India-law compliant — — — —
RBI-compliant milestone escrow UPI instant release Marketplace only B2B API only — —
Legal enforcement (auto) 10 min, 3 channels — — — —
WhatsApp-native (full product) No app needed Notifications only — Notifications only —
Aadhaar eSign (legally valid) IT Act 2000 — Partial — —
Ghost Registry + PAKKA Score Verified txns Star ratings only — — —
India-specific (Hindi, UPI, Aadhaar) Built for India English-first Partial Partial —
Fee structure 2.5% on success only 20% flat always Custom / B2B only 3–5% flat ₹12,000 Cr/yr in losses

Based on analysis of 17 competitors across direct escrow platforms, freelance marketplaces, and adjacent legaltech tools· April 2026

Early Access

They trusted us with real money.

"I've been ghosted twice this year. Pakka AI's legal notice arrived at the freelancer's address in 3 days. He called me back within a week. Money returned. I couldn't believe it actually worked."

R
Rahul Menon
Startup Founder· Kochi

"As a developer I always worried about final payment. Now I show clients the escrow confirmation before I start. Zero payment issues since. My PAKKA Score is winning me better clients."

S
Sneha Krishnan
Freelance Developer· Chennai

"Started a ₹45,000 project in under 5 minutes. Contract signed, money secured, work started — all from WhatsApp. This is the Razorpay moment for freelance trust."

A
Arjun Sharma
Agency Owner· Bangalore

"Client refused to pay after delivery. Pakka AI's legal notice was served in 10 minutes. The payment cleared in 4 days. This is what India needed — justice without a lawyer's fees."

P
Priya Nair
Freelance Designer· Mumbai

"The escrow alone changed how I do business. Clients trust me more because they see the money is protected for both sides. My conversion rate on proposals doubled."

V
Vikram Shetty
Content Agency· Hyderabad

"Finally something that works on WhatsApp natively. No extra app, no login. My clients are comfortable and I feel protected. Simple as sending a message."

M
Meera Pillai
Video Editor· Kochi
"

My mother got scammed ₹2,500 by a website that looked completely legitimate. I am a lawyer. And I could not help her.

She ordered a churidar online — professional website, smooth checkout. Inside the package: a plain red cloth worth ₹80. No refund. No response. My mother told me she would never shop online again. She hasn't.

The same month, I lost ₹10,000 to a freelancer ghost on LinkedIn. I knew the legal options. I also knew they'd cost more than ₹10,000 to pursue. So I wrote it off. Why does India have UPI, Aadhaar, and GST — but zero infrastructure for trust?

I shut down my edtech startup. Then I found Riza — a 16-year-old from Kerala who started coding at 9, won 8 hackathons across three continents, got personally awarded by the Chief Minister of Kerala for a hardware project that reached government ministers, and had YC partners inviting him to dinner before he was old enough to drive. He built the entire Claude AI orchestrator — the conversational engine at the heart of Pakka AI — from scratch. He didn't hesitate. Together we built Pakka AI. The system my mother deserved before she placed that order.

A
Afham Kavil
CEO & Co-Founder· Practicing Lawyer
R
Riza Mohamed
CTO & Co-Founder· 16· Kerala
Pricing

Pay only when you get paid.

No monthly subscriptions to start. We earn only when your project successfully completes.

Freelancer
Free
Forever free to start
Everything you need to start protecting your work and building verified reputation.
PAKKA Score & verified badge
Ghost Registry protection
AI-generated contracts
WhatsApp native interface
Up to 3 active projects
Get started free
Most Popular
Business
2.5%
of project value, on completion only
Full protection for both sides. Pay nothing until the work is done and approved.
Everything in Free
RBI-compliant milestone escrow
Legal enforcement engine
Aadhaar eSign contracts
Unlimited projects
Priority support
Start on WhatsApp
Enterprise
Custom
Volume-based pricing
For agencies and platforms processing high volumes of freelance transactions.
Everything in Business
Dedicated legal support
API access & white-label
Custom escrow thresholds
SLA guarantees
Contact sales
The Vision

Razorpay owns India's payments.
Pakka AI owns India's trust.

The payments layer is solved. The trust layer — contracts, escrow, legal enforcement, reputation — is the next ₹80,000 Cr infrastructure India hasn't built yet.

Year 1–2
Layer 1
Trust Infrastructure
Pakka AI becomes India's default trust layer for every freelance and gig transaction. Classic marketplace flywheel — every project makes the network safer.
Year 2–3
Layer 2
Financial Products
Pakka Credit: advance financing for verified freelancers. Pakka Insurance: project non-completion coverage. High-margin, data-driven — built on PAKKA Score data.
Year 3–5
Layer 3
Southeast Asia
Indonesia, Philippines, Vietnam, Bangladesh. Same trust gap. WhatsApp-native. 600M gig workers. Same playbook. This is how Pakka AI reaches USD 1 Billion.
Seed· Now
₹5 Cr
₹50 Cr cap SAFE
Series A· Month 18
₹15 Cr ARR
₹500–700 Cr raise
Series B· Year 3
₹88 Cr ARR
₹2,500 Cr raise
Unicorn· 2029
₹8,000 Cr+
USD 1 Billion valuation

Stop hoping.
Start knowing.

Join 200+ businesses and freelancers who decided trust should not be optional. 60 seconds to start — from WhatsApp you're already using.

Start on WhatsApp — Free Talk to founders →

No app· No credit card· 2.5% fee only on project completion

India-law compliantIndian Contract Act 1872 + IT Act 2000
RBI-compliant escrowYour money is always protected
Razorpay validated76/100 Itch Score· Top 10 problem
200+ active usersKochi· Chennai· Bangalore· Mumbai