Manual Checks
Credit decisions still depend on calls and references instead of verified history.
Pre-Launch • Building With Partners
CONNECT • CONSENT • TRUST
Good Repayment
Behaviours Should
Become a Trust Asset.
PEER AI is building consent-led trust infrastructure for real-world commitments, starting with B2B supplier–buyer credit.
GST-Ready Verification
Consent Controlled
Evidence Backed
Privacy by Default
01 / The Trust Gap
Business Runs on Credit.
Credit Runs on Trust.
But Trust Rarely Travels With the Buyer.
Businesses extend credit every day, but repayment history remains fragmented across invoices, messages, statements and personal relationships. A reliable buyer may have honoured hundreds of commitments, yet the next supplier often starts with very little verified context.
Fragmented History
Invoices, messages and payment evidence live in different places.
Good Buyers Start Again
Reliable repayment behaviour gives little portable advantage when history does not travel.
Recovery Comes Too Late
Once trust breaks, recovery can become slow and expensive.
02 / The Peer AI Idea
Turn Verified Commitments
and Repayment Outcomes
Into Trust History.
Peer AI connects verified businesses, captures meaningful commitments, and connects them to eventual repayment outcomes — helping reliable behaviour build a reusable trust history.
Good Behaviour Should Create Opportunity.
Verify
Identity
Establish verified business identity.
Consent
Controlled Sharing
Share only what you approve, with whom you approve.
Commit
Record Commitments
Capture meaningful business commitments.
Pay
Connect Outcome
Payment initiated or reconciled through supported payment rails; PEER AI records the verified outcome.
Build Trust
Stronger Opportunities
Turn verified outcomes into trust history.
03 / A Real B2B Credit Transaction
From request to a stronger trust history.
Illustrative walkthrough — not live product data.
Buyer
requests credit
Illustrative product interface
Kundra Electronics
Requests from
ABC Distributors
₹5,00,000
30 Days
INV-2841
For stock purchase
Supplier
wants context
Illustrative product interface
“Before extending credit, let's check their buyer-approved trust summary.”
Request buyer permission to view Peer AI Trust Summary
Buyer
controls access
Illustrative product interface
ABC Distributors
wants to view your
Buyer-Approved Trust Summary
This supplier only
This transaction only
Limited period
Your history is never publicly broadcast.
Supplier sees
buyer-approved summary
Illustrative product interface
Illustrative Buyer-Approved Trust Summary
Peer AI Trust Summary
82/ 100
92% On-Time
2 Open Dues
0 Disputes
Based on ABC Distributor's buyer-approved data.
Commitment
is recorded
Illustrative product interface
INV-2841
₹5,00,000
Due: 30 Sep 2025
Buyer Confirmed
Supplier Confirmed
Repayment
builds trust
Illustrative product interface
UPI
Net Banking
Bank Transfer
Payment initiated through supported payment rails; PEER AI records the verified outcome.
Outcome Verified
On Time
Trust Summary Refreshed
82 → 85 /100
Illustrative example only
One Commitment.One Verified Outcome.One Stronger Trust History.
04 / Privacy By Design
Privacy by Default.
Shared Only by
Buyer Choice.
Trust information is shared only with the specific counterparty approved by the user, for a defined purpose.
No public score.No open marketplace visibility.No unauthorized sharing.No public blacklist.
Buyer
Authorizes
Consent Artefact
- Recipient:
- ABC Suppliers Pvt. Ltd.
- Purpose:
- Evaluate 30-day B2B trade credit
- Data Shared:
- Buyer-Approved Trust Summary + Peer AI Score
- Validity:
- 30 days
- Access:
- Future access revocation
ConsentedTimestampedAuditable
Approved Supplier
Can view authorized summary
Other Suppliers / Public
No Access
Buyer
Authorizes
Consent Artefact
- Recipient:
- ABC Suppliers Pvt. Ltd.
- Purpose:
- Evaluate 30-day B2B trade credit
- Data Shared:
- Buyer-Approved Trust Summary + Peer AI Score
- Validity:
- 30 days
- Access:
- Future access revocation
ConsentedTimestampedAuditable
Approved Supplier
Can view authorized summary
Other Suppliers / Public
No Access
05 / Trust You Can Verify
GST / Business
Verified
Verified business identity
Consent
Controlled
User controls disclosure
Invoice
Backed
Context and terms attached
Payment
Connected
Outcome linked
to commitment
Auditable
Record
Important events
timestamped
Tamper-Evident
Layer
Critical events can be time-stamped
and cryptographically anchored
06 / Why Peer AI Can Win
Verified Consent Graph
Each relationship creates structured data between verified parties.
History Compounds
Every positive achievement makes the trust history more useful.
Network Effect
One reputable buyer helps others. Buyers bring more suppliers.
Cross-Relationship Trust
The information of one eventually works across multiple real-world relationships.
07 / One Wedge, Bigger Vision.
B2B TRADE CREDIT
Supplier ↔ Buyer
P2P
Person ↔ Person
RENTAL
Lender ↔ Tenant
EMPLOYMENT
Employer ↔ Employee
08 / Why Now
Identity is Digital
Aadhaar + PAN + GST
business verification
Payments are Digital
UPI + Bank rails
Relationships are Digital
Businesses transact faster
and across wider networks
Trust History
Still fragmented
09 / Built From Real-World Experience
Gaurav Kundra
Trust Architect — Building PEER AI
Ex-Founder, Credmate
- Since 2012
- IT hardware trading business (MSE)
- gk15@peerai.in
- +91 84276 46088
Previous Startup
Achievements
- 700K+ Generated Downloads
- Featured on Shark Tank India — Season 2
- Startup Canada Incubation
- Featured on Aaj Tak
- Vivek Bindra Documentary on Credmate
CONNECT • CONSENT • TRUST
Credmate Built the Experience.
Peer AI Builds
the Trust Infrastructure.
10 / Build With Us
Pre-Launch • Building With PartnersHelp Us Pilot the
Help Us Pilot the
Missing Trust Layer.
Pilot Businesses
Businesses ready to pilot trust infrastructure in real relationships.
Verification
Partners helping verify identity and business events.
Payments
Payment rails and outcome connectivity for verified trust history.
Strategic Ecosystem
Partners aligned on building the missing trust layer.