Kissht

Ring, formerly known as Kissht, has undergone a rebranding to resonate with a younger customer base, reflecting its mission to provide transaction credit to consumers at the point of sale. Established in 2015, Ring targets individuals earning between INR 20,000 to INR 70,000, catering to a youthful and convenience-oriented audience including self-employed professionals, gig workers, and call center employees who may face challenges in accessing traditional credit cards. With a substantial user base of 4.5 million unique borrowers and an impressive repeat rate of 80-90% monthly, Ring has positioned itself as a leading financial technology platform. Leveraging advanced technology, including machine learning and artificial intelligence, Ring offers instant, seamless credit solutions for consumers at digital points of sale, both online and offline. Its plug-and-play gateway APIs enable easy integration into merchant checkout pages or retail POS systems, providing quick access to loans. Through strategic partnerships with non-banking financial institutions and a network of 3000+ offline merchants and 50+ online stores across 40 cities in India, Ring continues to revolutionize the borrowing experience, offering user-centric solutions that redefine convenience and accessibility in the financial sector.