The Future of Zero-Default Smartphone Lending
Empowering 8,500+ Mobile Retailers, NBFCs, and Distributors with India's most advanced, 100% legal, and tamper-proof Android Device Policy Controller (DPC) architecture.
Knox-Grade Protection
Device Owner privilege permanently prevents unauthorized factory resets, flashing, and safe-mode bypass.
Zero-Touch Automated Due Cycle
Autonomous 3-stage pre-due alerts, grace periods, and instant offline/online lockdown upon default.
100% RBI Compliant
Non-intrusive notification cadence, emergency dialer access, and court-admissible signed loan agreements.
Why Retailers Lose Lakhs in Unsecured Mobile EMIs
Financing smartphones on store credit or local loans carries severe risk without enterprise-grade hardware collateral control.
Hard Reset & Wipe Frauds
Borrowers format the phone via recovery mode or tools to erase tracking apps and escape pending installments.
SIM Removal & Offline Hiding
Customers remove the SIM and disconnect Wi-Fi, rendering conventional cloud-only trackers completely useless.
Crippling Retail NPA Losses
Store owners absorb 100% of the loan loss when customers vanish, eroding thin retail profit margins.
Unbreakable Device Policy Controller (DPC)
Engineered at the Android OS kernel level. Once enrolled via QR code, the phone becomes an iron-clad hypothecated collateral.
Recovery Wipe Blocked
Hardware key combinations for Fastboot and Stock Recovery are completely disabled by Enterprise policy.
Zero USB Debugging / ADB
Developer options and ADB bridging are permanently locked down to block third-party PC bypass scripts.
Safe Mode & Uninstall Guard
Neither safe mode booting nor uninstall gestures are permitted. System app privilege maintains 24/7 guard.
Smart 3-Stage EMI Schedule & Auto-Lock
Customers are NEVER spammed upon enrollment. Intelligent algorithms trigger polite, schedule-based reminders right before due dates.
Device Locked
Installment #2 Pending.
Please pay EMI to resume full access.
100% Compliant With RBI Digital Lending Rules
Engineered for full court admissibility, transparent borrower consent, and human rights compliance under Supreme Court & RBI guidelines.
Emergency Access Guaranteed
Locked screens always permit outbound calls to National Emergency (112), Women Helpline (1090), and Medical (108).
Digital KYC & Signed A4 Agreement
Customer Aadhaar, live photo, and digital signature generate an instantaneous court-enforceable hypothecation deed.
1-Click UPI Payment Direct to Store
Customer scans or clicks PhonePe/Paytm QR on lock screen. Money hits retailer account instantly with zero middlemen.
Hierarchical Admin • Distributor • Retailer System
Built for rapid regional expansion with automated credit transfers, territory isolation, and transparent reporting.
Super Administrator
Master control over server integration, security policies, dynamic distributor margins, and system health.
Regional Distributors
Empower district retail networks, manage bulk license allocations, and track regional retailer health with 1-click WhatsApp support.
Mobile Retailers
30-second POS customer enrollment, automated EMI ledger management, instant payment confirmation, and device control.
High Growth, Zero Bad Debts for Mobile Stores
Eliminate retail NPA completely. When recovery is guaranteed, stores can confidently finance smartphones to more customers and multiply revenue.
3X Store Sales Velocity
Retailers finance high-ticket phones without fear of default, tripling monthly customer walk-in conversions.
Attractive Partner Margins
Substantial volume-based margins for Regional Distributors with instant peer-to-peer credit distribution.
99.8% On-Time Collection
Gentle pre-due alerts combined with unbypassable offline auto-lock guarantee timely EMI deposits.
Ready to Empower Your Retail Network?
Partner with ZTXEYE today as an Authorized Regional Distributor or Retail Partner. Full technical onboarding and 24/7 dedicated helpline provided.