ShaheeniX
Ultra
A digital ledger and business app for small merchants, connected to their bank account. Record credit and payments, send reminders, bill, track stock and pay staff — online or offline, in your own language.
Everything a shop runs on, in one app.
The paper bahi-khata, the bill book, the stock register and the salary diary — replaced by one app that works on every device the shop uses.
Party ledger (Khata)
Customers and suppliers, "gave/got" entries, bill photos, due dates, credit limits and statements you can share as PDF.
Reminders that get paid
SMS, WhatsApp and in-app reminders with a payment link, sent on a schedule in Kashmiri, Dogri, Urdu, Hindi or English.
Cashbook & expenses
Daily cash in and out, expense heads and a day-close with cash count, next to the bank balance.
GST billing
Invoices, quotations, challans and credit notes, GST or non-GST, printed on thermal or A4 printers.
Stock & purchase
Item master with barcodes, purchase entries, low-stock alerts and stock value at a glance.
Staff & payroll
Attendance, advances and monthly salary, paid straight to staff bank accounts with payslips.
Reports & backup
Daily and monthly summaries, receivable ageing, Excel/PDF export and encrypted backup that restores on a new phone.
Accountant access
Roles for owner, manager, staff and accountant; branch-wise books and Tally/Excel export for the CA.
Shaheen AI
Speak an entry — "Rafiq ko 500 diye" — or snap a bill. Smart reminder timing and a cash-flow forecast.
One app. iPhone and Android.
The same ShaheeniX Ultra on both phones, each feeling native — tap the tabs, switch phones, or move your mouse over them.
Demo with sample data — names and amounts are illustrative.
Ask, talk or call — Shaheen AI answers right here.
Try the same assistant merchants get inside the app. It knows ShaheeniX Ultra and replies in English, Hindi, Urdu or Kashmiri.
AI Assistant
Chat about features, the bank link, pricing models or a bank roll-out. Answers in seconds, any time of day.
Voice Assistant
Tap the mic and speak your question. Shaheen AI listens and reads the answer back — just like voice entry in the app.
Calling Assistant
Have a real voice conversation with Shaheen AI in your browser — in English, Hindi or Urdu. Ask for a person and the team calls you back.
Voice and calling work best in Chrome or Edge on Android and desktop. Your microphone is used only while you talk; conversations go to Shaheen AI to answer you.
Starts from the bank account, not a blank book.
- Every bank credit and debit becomes a suggested entry. One tap tags it to a customer, supplier or expense.
- Collections land in the merchant's own account. UPI QR and payment links settle into it and match the ledger automatically.
- Ledger and statement always agree. Supplier and salary payments go out of the same account.
- Sign up in under two minutes. The bank has already done KYC, so no fresh documents.
- Credit from your own records. With the merchant's consent, ledger history supports pre-approved overdrafts and loans from the bank.
Offline-first, so snow-season and border-area outages never stop a sale. Every entry is saved on the device and syncs when the network returns.
For every business that runs on credit.
| Business | Top need | What ShaheeniX Ultra gives them |
|---|---|---|
| Kirana and retail shops | Know who owes what; collect on time | Regional-language reminders, payments straight into their account |
| Wholesalers and distributors | Supplier and customer balances, GST bills | Credit limits per party, overdraft against receivables |
| Service providers | Simple billing and collections | QR and link payments, monthly statements |
| Artisans and exporters | Orders, advances, seasonal cash flow | Working-capital credit timed to the season |
| SHGs and cooperatives | Member savings and a group ledger | Group ledger with a member view and linked bank account |
| Accountants and CAs | Clean books for GST and ITR | Read-only access and Tally/Excel export |
Give your business customers a reason to open your app every day.
Banks offer ShaheeniX Ultra to their MSME and retail-business customers under their own name or co-branded, connected to their core banking, UPI and lending systems.
Account linking & statements
Balance and statement inside the app; every transaction matched to the ledger.
Daily engagementUPI merchant collections
Static and dynamic QR plus payment links, settling into the bank's own accounts.
Float & CASAConsent-based lending
Ledger and bank data, shared with the merchant's consent, to score and pre-approve MSME credit.
Better loan bookPayroll & payouts
Salaries and supplier dues paid from the app with maker-checker controls.
Payment volumeDigital account opening
Leads or full digital KYC for merchants who are new to the bank.
New customersBank back office
Merchant search, collections dashboard, loan lead pipeline, campaigns, grievance desk and MIS reports.
How a bank goes live
A 14-month programme in four phases. Each phase starts only after the bank signs off the one before.
- Scope workshops
- Bank branding
- Security documents
- Hosting set up
- Ledger, reminders, billing
- Regional languages
- Branch staff training
- VAPT and pilot in selected branches
- Bank-linked ledger
- UPI QR and pay links
- Stock and salary payouts
- Rollout across the region
- Ledger-based loans
- Shaheen AI voice entry
- Multi-user and CA access
- Store and ecosystem
Sign-off gates: scope approved → pilot reviewed → bank IS audit cleared. A dedicated BinShahin team of about 14 people delivers the programme.
Built to pass a bank's security audit.
| Area | How ShaheeniX Ultra handles it |
|---|---|
| Data in India | Hosted in the bank's data centre or a MeitY-empanelled cloud in India, with a separate disaster-recovery region |
| Privacy | DPDP Act 2023: purpose-bound consent, consent log, deletion on request. Merchant data belongs to the merchant. |
| RBI & CERT-In | Designed around RBI IT-outsourcing and digital-lending rules and CERT-In incident and log-retention requirements |
| Encryption | TLS 1.3 in transit, AES-256 at rest on server and device, keys in KMS/HSM |
| App hardening | Root/jailbreak detection, certificate pinning, device binding, screenshot block on sensitive screens |
| Access & audit | Role-based access, maker-checker on money actions, MFA and a full audit trail |
| Testing | OWASP MASVS/ASVS checks and CERT-In empanelled VAPT before go-live and each major release |
One codebase. Every screen.
Flutter apps for Android, iOS, Web, Windows and macOS, each with an encrypted local database and conflict-safe sync. A modular backend with one bank connector gives the bank's security team a single point to review and monitor.
- Offline-first — SQLite with SQLCipher on every device
- Conflict-safe sync — event log per business, server-assigned versions
- Bank-grade backend — PostgreSQL, API gateway, rate limits, webhooks
- Messaging — DLT-registered SMS, WhatsApp Business API, push
- Operations — central logs, uptime alerts, SIEM feed to the bank's SOC
See ShaheeniX Ultra for your bank or business.
Book a walkthrough with the BinShahin team in Anantnag. We'll show the merchant app, the bank back office and how the bank integrations work.