Description

Xanzu is an AI-powered “Buy Now, Pay Later (BNPL)” and EMI payment solution for businesses. In this system, when a customer buys something today and pays later in easy monthly payments. Customers onboard the system, verify KYC, and based on previous orders, get a credit limit with a virtual credit card. During purchase, they choose BNPL at checkout, based on credit limit; users can select the desired split option, then the order is confirmed, and payments are tracked until fully paid.

A merchant can sell products in two ways: by using the built-in Merchant Module to add and manage products directly, or by connecting a WooCommerce store.

The system checks the customer, verifies KYC, and based on total shopping, gives them a credit limit with a Visa card, and then pays the merchant while the customer repays over time. In this project, there are three main roles: Customer (buys and repays), Merchant (sells and gets paid), and Admin/Owner (runs the system, takes responsibility to give payment to merchants, takes payment from users, sets rules, and earns fees).