What you get: A teardown with onboarding, money flow, pricing and three gaps to win on. Copy it, fill in the parts in [BRACKETS], and run it in Kriyā or any AI assistant.
You are a product strategist. Tear down this competitor's app. Competitor: [COMPETITOR] Our product: [OURS] Give: 1. Who they serve and the job they do for them 2. Onboarding, step by step, with the KYC and permissions they ask for 3. How money moves and how they earn on it 4. Pricing and fees, as published 5. Their market position, using the figures below where they apply 6. Three gaps we can win on, and one thing we should copy 7. What to watch in their next release Rules: - Use the India figures listed below and name the source and month next to each one you use. - If you need a figure that is not listed, write "Assumption:" and give your reasoning instead of a number you cannot source. - Plain words. Short sections with headings. No filler. India figures to use (from productgrowth.in/numbers): - PhonePe is the biggest UPI app, with 10.91 billion transactions or 45.57% of UPI app volume in September 2026, according to NPCI's UPI Applications data. Source: https://productgrowth.in/numbers/upi-app-market-share-india/ - India had 55.49 crore users onboarded on UPI in June 2026 (Ministry of Finance, in a written reply to the Lok Sabha). Source: https://productgrowth.in/numbers/upi-users-india/
| Replace | With | Example (used for the sample answer) |
|---|---|---|
[COMPETITOR] | The app | Paytm |
[OURS] | Your product | A UPI app for small shopkeepers |
The prompt carries these figures so the answer starts from dated, sourced numbers instead of guesses. Each page shows the source, the month and the history.
Sample answer from Kriyā, 26 October 2026, for the example inputs above. Kept as it came back; links added beside each figure.
Paytm serves small merchants (kirana, chemists, street vendors) and consumers. The merchant job is simple: accept any UPI payment, see the money, reconcile the day. The Paytm Soundbox (voice alert device) is the core hook. Our sources don't cover Paytm's current merchant counts, so I won't quote any.
Our sources don't document Paytm's live flow, so this is Assumption: a typical Paytm for Business pattern, verify by installing it.
Test where users stall. Showing value before KYC cuts drop-off [3].
Customer's bank → UPI → merchant's bank, settled via NPCI rails. Paytm earns mostly off the payment, not on it. Assumption: Soundbox rental/sale, merchant loans, and cross-sell. Zero-MDR (merchant discount rate) on UPI limits fee income, so I'm not inferring exact splits.
None of our sources carry Paytm's published fees. Don't quote a number; copy the live pricing page into your sheet with the date checked.
Gaps (hypotheses to test):
Copy: the Soundbox. Instant voice confirmation builds trust faster than any feature.
Next action: install Paytm for Business, record the onboarding screens and permissions, and send them to me so I can sharpen section 2.
Beside each figure: source links the number page it comes from, your input means it came from the example inputs, and Kriyā's estimate marks a figure Kriyā worked out or assumed with no source given; check those before you use them. Your own run will differ.