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Insights · Engineering · Road Safety

The MargRakshak Blog

Product engineering deep-dives, Indian road safety data, IRDAI telematics policy analysis, and the thinking behind how we built MargNetra.

Engineering September 2025

Why We Built a Hardware Tokenomics Engine on ESP32-S3 — And Why No One Else Has

The MPU6050, OV2640, and ELM327 are commodity components. The Merkle-hashed clawback engine, the 3-state wallet, and the anti-gaming displacement formula are not. A deep technical explainer.

The physicsHaversine geodetic formula for net displacement. Why a <1.5km ring radius nullifies rewards.
The crypto layerSHA-256 Merkle chaining on crash events. Why this makes dashcam footage Section 65B admissible.
The RBI angleWhy we built hold→grace→slash instead of instant deductions. PPI compliance by design, not afterthought.
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Road Safety Aug 2025

460 Indians Dying Every Day: What the MoRTH 2023 Data Actually Tells Us

The headline says 1.68 lakh deaths. The subtext is a catastrophic failure of financial incentive design. We break down the data and propose the fix.

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Insurance Aug 2025

IRDAI's PHYD Framework: What Indian Insurers Are Waiting For, and Why We Are It

IRDAI issued PHYD guidelines and no consumer device has satisfied them at scale. We mapped exactly what is required and designed MargNetra around it.

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Compliance Jul 2025

Why Instant Clawback Is a Regulatory Time Bomb — And What We Built Instead

Deducting settled money without a dispute mechanism violates the spirit of RBI PPI guidelines. We redesigned the wallet from scratch. Here is the architecture.

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Engineering Jul 2025

Pothole Detection at 100Hz: How the MPU6050 Vibration Signature Identifies Road Defects

We do not use cameras to detect potholes — we use the accelerometer. The vibration signature of a pothole is distinct from a speed bump. Here is the algorithm.

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Legal Jun 2025

Section 65B of the Evidence Act: Why Your Dashcam Footage May Not Be Admissible in Court

Most dashcams cannot produce an admissible electronic record under Indian law. MargNetra's SHA-256 Merkle chain is specifically designed to satisfy Section 65B requirements.

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Product Jun 2025

The CRED Playbook, Applied to Driving: How Status Changes Behaviour

CRED turned a dry CIBIL score into a lifestyle brand that 50 million people check voluntarily. We are doing the same for your driving score. Here is the design logic.

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