Two devices. Real scoring. Actual money. Here's every step — from hardware to your wallet.
Under ₹4,000 in components. Under 90 seconds to install. Works in every car with an OBD-II port — that's every car sold in India since 2008.
Plugs into the OBD-II port under your steering wheel. Smaller than a car key fob. Reads your car's engine in real-time via ELM327 CAN bus protocol.
Mounted on windshield. Records road footage at 15 FPS, runs optical AI on the edge for distance estimation and object detection — no cloud latency.
The backend scores every kilometre against four behavioural metrics. Verified real displacement — not a loop in your colony.
MPU6050 reads G-force in real-time. Braking harder than 0.8G triggers a violation hold. Smooth braking = max score.
OBD speed cross-validated against GPS. Exceeding the speed limit by more than 15 km/h triggers a hold. Zone-aware.
Forward camera estimates optical distance. Tailgating under 2 metres at speed triggers a hold. OBD engine load patterns validate it.
Haversine geodetic formula verifies net displacement. Circling a roundabout 50 times counts as 0 verified km. Anti-farming built-in.
This is our core financial innovation. MargCoins move through three states before becoming real money. Compliant with RBI PPI guidelines — no unilateral deductions.
Coins earned in the last 24 hours. Visible to the driver — feeds the "Lalch" (greed) psychology loop. Not yet withdrawable. Settles automatically after a clean 24-hour window.
A violation was detected. Corresponding provisional coins are moved to "Held" — NOT deducted. Driver has 15 minutes (or until trip end) to dispute with dashcam clip. Emergency manoeuvres are auto-cleared.
Fully settled coins. Ready to redeem for FASTag, insurance discounts, fuel cashback, or direct bank NEFT transfer. No more deductions possible after this state.
Direct API transfer to your vehicle's FASTag via NPCI/UPI integration. Instant. No cash withdrawal needed.
Up to 15% off motor insurance premium via IRDAI-approved PHYD insurer API. Your Civil Score is the ticket.
Partner fuel network vouchers (HPCL / IndianOil). Cashback applied at participating pumps. No extra card needed.
NEFT/UPI once withdrawal threshold is met. Handled via RBI-licensed banking partner under TSP model. Fully compliant.
This is a supply-side data business disguised as a consumer hardware product. Every new driver on the road adds value for everyone else.