A payments app for businesses. B2B transactions operate on credit & collections are a big hassle for businesses. They have to keep chasing their customers for payments after credit period. None of the digital modes of payment available today (NEFT/IMPS/UPI) facilitate post dated payments which can automate collections. Using Vault, they can collect post dated payments digitally at the time of sale/delivery of goods (it works like a digital cheque). After the credit period, money gets debited from their customers account and credited to their account automatically. They don't have to constantly chase customers for making payments.