B2B Crowd-Sourced Import Order-Pooling Platform · Available in 13 Indian Languages

Import Together.
Pay When the Pool Fills.

ReximTrade crowd-sources import orders — aggregating fragmented demand from Indian retailers across the country into pooled bulk orders that meet international supplier MOQs. Refundable deposits. Staged payments. Full regulatory compliance. Available in 13 Indian languages so every trader, in every state, can participate.

6+
Revenue Streams
171d
Deposit Refund Cycle
₹19L
Capital to B/E
69%
Net Margin at Scale
The Problem

Small Traders Can't Import. No Platform Crowd-Sources Their Orders.

International suppliers demand Minimum Order Quantities (MOQs) that exclude India's 50M+ small retailers from direct import pricing — and no existing platform pools their fragmented demand into viable bulk orders.

MOQ Barrier

A single retailer needs ₹10L+ order volume to access factory prices. Most can only commit ₹1.5L–₹6L.

Opaque Intermediaries

Local wholesalers and agents add 15–40% markup. No transparency on landed cost, duties, or freight.

No Trust Infrastructure

Small importers lack FEMA knowledge, customs expertise, and banking relationships to import independently.

The Opportunity

Why This Must Exist

The gap between what small traders need and what the import market offers is enormous — and nobody is bridging it.

50M+

Small & micro retailers across India who could import if MOQ weren't a barrier. Currently paying 15–40% markup to intermediaries.

₹10L+

Typical factory MOQ from Chinese/HK suppliers. The average Indian small trader can only commit ₹1.5L–₹6L per order cycle.

Existing Alternatives All Fail

Local Wholesalers — 15–40% markup. No price transparency. Limited selection.
Direct Import (DIY) — Requires FEMA, SWIFT, customs broker, freight forwarder. Too complex.
Import Agents — Opaque fees, high minimums, no capital protection. Built for large importers.
Informal Buying Groups — No legal structure. No deposit protection. One dispute = collapse.

The gap is structural: suppliers demand bulk. Small buyers have fragmented demand. No platform crowd-sources their orders by pooling. Nobody provides trust infrastructure. Nobody handles compliance across India's linguistic diversity. This is exactly where ReximTrade fits — in 13 Indian languages.

The Solution

Crowd-Source Your Import. Pay When the Pool Fills.

ReximTrade is a crowd-sourced order-pooling platform — multiple small Indian retailers combine their import demand to meet factory MOQs that none could meet alone. The platform handles compliance, banking, customs, and logistics. Available in 13 Indian languages.

How Crowd-Sourcing by Pooling Works

50 Individual Buyers
₹1.5L each
can't meet ₹10L MOQ alone
ReximTrade Pools Them
70%+ MOQ met
Minimum threshold → proceed
One Consolidated Order
Factory Price
15–40% savings each

Crowd-sourcing means no single buyer bears the MOQ burden. The platform aggregates fragmented demand from across India — every retailer benefits from bulk pricing without bulk commitment. This is the core value ReximTrade creates.

STEP 1
Subscribe & KYC
Pick Plus ₹2,999 or Pro ₹5,999. AI verifies KYC — PAN, GST, bank details. Platform available in 13 Indian languages.
STEP 2
Place Deposit
Choose Slab 1–6 (₹45K–₹7.2L). Deposit via RTGS. Fully refundable on Day 171. RT bears its bank charges. Held in bank FD — never used for supplier payment.
STEP 3
Browse & Book
Explore active crowd-sourcing pools. AI recommends products matched to your profile. Book orders — tokens earmarked as capacity indicator. No money spent yet.
STEP 4
Pool Fills
RT aggregates orders from buyers across India. Combined demand must hit 70% MOQ minimum to proceed. Below 70% → pool cancelled, no order placed, no money spent.
STEP 5
Pay 30 / 40 / 30
Pay only after pool confirms. Three staged Proforma Invoices at milestones: 30% at factory order → 40% at ex-factory → 30% at port.
STEP 6
Deliver & Refund
Goods arrive at RT warehouse. Buyer arranges last-mile. Day 171: deposit principal returned. Redeposit to pool again — or walk away. Your call.
हिन्दी English বাংলা தமிழ் తెలుగు मराठी ગુજરાતી ಕನ್ನಡ +5 more

Security Deposit (6 Slabs)

Fully refundable on Day 171. Held in nodal → reserve → FD. RT bears its bank charges; buyer's receiving-bank charges, if any, deducted. Never used for supplier payment.

Slab 1₹45,000 →₹1.5L order capacity
Slab 3₹1,35,000 →₹4.5L order capacity
Slab 6₹7,20,000 →₹24L order capacity

Token System

Non-monetary capacity indicators. Not a payment tool. Not a wallet. No intrinsic value.

📋
Earmark
On booking
Debit
On PI-1 paid
🔄
Restore
Capacity freed
Pool Rule 70% MOQ minimum. Below 70% → pool cancelled before PI-1. RT never places order. No buyer money spent.
Order Flow

Staged PI Payments

Buyers pay only when the pool confirms. Three tranches. Deposit stays untouched.

30%

PI-1: Pool Confirmation

70% MOQ minimum reached → Proforma Invoice issued. Buyer pays 30%. RT remits to HK supplier via SWIFT. Factory order placed. Below 70% → pool cancelled, no order.

Tokens debitedCapacity restored
40%

PI-2: Ex-Factory

Goods manufactured → factory notice. Buyer pays 40%. RT SWIFT to HK. Shipment dispatched.

In transit
30%

PI-3: Port Arrival

Goods arrive India → customs cleared. Buyer pays 30% + 3% bank charges + 5% RT fees + goods buffer. Goods to RT warehouse.

Delivered8% earned

Example: ₹40,000 Order

₹12,000
PI-1 (30%)
+
₹16,000
PI-2 (40%)
+
₹12,000
PI-3 (30%)
=
₹40,000
RT earns ₹3,200 (8%)

Cancellation Policy

Pool below 70%
Cancelled before PI-1
no order placed, no money spent
After PI-1 paid
50% of PI-1 forfeited
factory costs incurred
After PI-2 paid
100% of PI-1 + non-recoverable PI-2 costs
goods shipped; freight/customs/supplier fees recovered

Pool must reach 70% MOQ minimum before PI-1 is issued. If below 70%, the entire pool is cancelled. RT never places an order it can't fill. Buyer cancellation after PI-1 results in partial forfeiture.

Merchant Journey

From Intent to Import — One Merchant's Path

Follow a trader from the moment they want to import until goods are in their shop.

flowchart TB
    subgraph PHASE1["🛒 GET READY"]
        A["🏠 Merchant decides
to import goods"] --> B["📄 Visits ReximTrade
Registers account"] B --> C["🔒 KYC Verified
AI screens documents"] C --> D{"Choose Plan
💰"} D -->|"Plus ₹2,999"| E1["✅ Plus Active"] D -->|"Pro ₹5,999"| E2["✅ Pro Active"] E1 & E2 --> E["💳 Select Deposit Slab
Slab 3: ₹1,35,000"] E --> F["🏦 Pay Deposit via RTGS
to RT Nodal Account"] F --> G["🌟 Tokens Issued
RTT 1,35,000 = ₹4.5L capacity"] end subgraph PHASE2["🔍 POOL & BOOK"] G --> H["🔎 Browse Active Pools
AI recommends matches"] H --> I["📝 Select Pool
e.g. Phone Cases – MOQ ₹10L"] I --> J["📎 Book Order
Tokens Earmarked (30%)"] J --> K{"Pool ≥ 70%
MOQ min?"} K -->|"No (<70%)"| K1["❌ Pool Cancelled
Tokens Released"] K1 --> K2["🔄 Rebook
Another Pool"] K -->|"YES ✅"| L["✅ Pool Eligible
≥ 70% MOQ"] end subgraph PHASE3["💸 PAY & PRODUCE"] L --> M["📃 PI-1 Issued
30% of order due"] M --> N["💳 Merchant Pays 30%
via RTGS to Trading A/C"] N --> O["🌎 RT SWIFT to HK
Factory order placed"] O --> P["🏭 Factory Produces
Goods manufactured"] P --> Q["📃 PI-2 Issued
40% due – Ex-Factory"] Q --> R["💳 Merchant Pays 40%"] R --> S["📦 RT SWIFT 40% to HK
Shipment dispatched"] end subgraph PHASE4["🛰 SHIP & CLEAR"] S --> T["⛵ Goods in Transit
7-21 days shipping"] T --> U["🏰 Port Arrival – India"] U --> V["📃 PI-3 Issued
Final 30% due"] V --> W["💳 Merchant Pays 30%"] W --> X["🚪 Customs Clearance
Duties & IGST paid"] X --> Y["🏠 Goods at RT Warehouse
Merchant notified"] end subgraph PHASE5["🚚 COLLECT & REPEAT"] Y --> Z["🚚 Merchant Arranges
Last-Mile Transport"] Z --> AA["🎁 Goods Collected
Inventory in Shop"] AA --> AB["📈 Order Closed
3%+5% charges booked"] AB --> AC{"Day 171
Deposit Refund?"} AC --> AD["💰 Deposit Principal
Returned to Bank A/C"] AD --> AE{"Redeposit
to Continue?"} AE -->|"YES 🔄"| E AE -->|"NO ❌"| AF["🚪 Tokens Inactive
Preset Orders Page Only"] end style A fill:#DBEAFE,color:#1E3A8A,stroke:#3B82F6,stroke-width:2px style G fill:#DBEAFE,color:#1E3A8A,stroke:#2563EB,stroke-width:2px style L fill:#FEF3C7,color:#92400E,stroke:#F59E0B,stroke-width:2px style O fill:#DBEAFE,color:#1E3A8A,stroke:#3B82F6,stroke-width:1.5px style S fill:#FED7AA,color:#9A3412,stroke:#F97316,stroke-width:1.5px style AA fill:#D1FAE5,color:#065F46,stroke:#059669,stroke-width:2px style AD fill:#D1FAE5,color:#065F46,stroke:#059669,stroke-width:2px style AF fill:#F1F5F9,color:#475569,stroke:#94A3B8,stroke-width:1.5px style PHASE1 fill:#EFF6FF,color:#1E3A8A,stroke:#93C5FD,stroke-width:2px style PHASE2 fill:#FFFBEB,color:#92400E,stroke:#FCD34D,stroke-width:2px style PHASE3 fill:#EFF6FF,color:#1E3A8A,stroke:#93C5FD,stroke-width:2px style PHASE4 fill:#FFF7ED,color:#9A3412,stroke:#FDBA74,stroke-width:2px style PHASE5 fill:#ECFDF5,color:#065F46,stroke:#6EE7B7,stroke-width:2px
Phase 1
Subscribe &
Deposit
Phase 2
Pool &
Book
Phase 3
Pay 30/40
Produce
Phase 4
Ship &
Clear
Phase 5
Collect &
Repeat
Buyer's View

What the Merchant Gets

From a small retailer's perspective — what a ₹45K deposit unlocks that ₹45K alone could never buy.

Without ReximTrade

  • A single retailer with ₹1.5L budget cannot meet supplier MOQ of ₹10L+
  • Forced to buy from local wholesalers at 15–40% markup
  • No visibility into landed cost — freight, duties, customs are a black box
  • Zero FEMA/SWIFT knowledge — cannot pay foreign suppliers directly
  • 100% upfront payment risk with unknown international suppliers
  • No quality recourse, no logistics, no customs broker — alone

With ReximTrade

  • Pool with 50+ other retailers to meet any MOQ — buy at factory prices
  • Transparent landed cost estimate upfront — duties, freight, customs included
  • Pay only when the pool fills: 30% / 40% / 30% staged — no 100% upfront
  • RT handles FEMA, SWIFT, customs, freight — you focus on selling
  • ₹45K deposit is fully refundable on Day 171 — your capital returns
  • Preset orders page tracks every shipment — full visibility from factory to warehouse

A Buyer's Financial Journey — Slab 3 Example (₹1.35L Deposit)

Step Action Money Flow What Buyer Gains
1Subscribe Plus/Pro₹2,999 – ₹5,999 + GST paid to RTPlatform access, AI tools, pool matching priority
2Place Security Deposit₹1,35,000 paid to RT nodal accountRTT 1,35,000 tokens = ₹4.5L order capacity unlocked. Deposit held in FD — fully refundable on Day 171. RT bears its bank charges.
3Book Pool OrdersNo payment yet — tokens earmarked onlyBrowse active pools. Commit to products. Tokens earmarked as booking capacity — no money spent.
4Pool Eligible (≥70% MOQ)PI-1: pay 30% of order (e.g. ₹1.35L on ₹4.5L order)Order confirmed. Factory begins production. Tokens debited — capacity restored for next pool. Deposit still untouched.
5Ex-Factory NoticePI-2: pay 40% (e.g. ₹1.80L)Goods manufactured. Shipment dispatched. Real-time tracking available.
6Port Arrival in IndiaPI-3: pay final 30% (e.g. ₹1.35L)Customs cleared. Goods at RT warehouse. Buyer arranges last-mile transport.
7Goods Collected₹4.5L total paid (PI only)Inventory at factory price — saving 15–40% vs local wholesaler. On ₹4.5L order: ₹67K–₹1.8L saved.
8Day 171 — Deposit Refunded₹1,35,000 deposit principal returnedDeposit principal returned. RT bears its bank charges. Tokens remain active 30 more days. Redeposit or walk away.
ReximTrade's View

What ReximTrade Captures

RT is not a charity — it's a lean, AI-native platform that earns from deposit float, order volume, and platform access. Here's the value RT creates and captures at each stage.

How RT Earns

FD

FD Interest on Deposit Float

All buyer deposits held in scheduled bank FDs. RT earns ~7.5% p.a. interest as disclosed business income. At 5,000 depositors with ₹50Cr float: ~₹3.75Cr/year. T&C discloses this — buyers consented at onboarding.

6%

3% Bank Pass-Through + 5% RT Service Fees

Embedded in the landed cost shown to buyers. Not a hidden fee — transparent at booking. On ₹4.5L order: ₹13,500 bank pass-through + ₹22,500 RT fees = ₹36,000 collected. At scale with 6,000 orders/year: ₹21.6Cr (RT earnings: ₹13.5Cr).

SUB

Mandatory Plus / Pro Subscription

Every depositor pays ₹2,999 (Plus) or ₹5,999 (Pro) + GST annually. Flat pricing across all slabs. At 5,000 depositors with 70/30 mix: ₹2.3Cr/year. Non-refundable. Gates platform and AI tools.

Strategic Moat

🔒

Deposit Float = Mini-Treasury

₹50Cr float at scale generates ~₹3.75Cr/year in risk-free FD interest (7.5% p.a.). Buyers get deposit principal refunded. RT earns the interest. This is disclosed, consented, and tax-compliant. Competitors cannot replicate this without the deposit-refund architecture.

🏗️

Pooling Network Effects

More buyers → faster pool fill → more completed imports → trust → redeposit → larger float → better supplier terms. Each new buyer makes the platform more valuable for every other buyer. Self-reinforcing flywheel.

⚖️

Regulatory Moat

The deposit-token architecture, FD flow, and Day 171 refund are specifically engineered to avoid PPI licensing, GST advance liability, and FEMA violations. A competitor attempting this without legal architecture would be shut down by RBI within months.

🤖

AI-Native Cost Structure

12 FTE at scale vs 45 in traditional model. AI agents handle KYC, pool matching, landed-cost estimation, communications, and refund batch processing. Outsourced partners handle logistics, customs, and HK liaison. Operating leverage unmatched by traditional import agents.

Value Creation

How ReximTrade Creates Value for Indian Merchants

The platform solves five fundamental problems that keep India's 50M+ small retailers locked out of direct import.

MOQ Aggregation

50+
buyers per pool

A single retailer with ₹1.5L can't meet a ₹10L MOQ. Pool 50 retailers buying the same SKU and the order ships at factory-direct pricing. No single buyer bears the MOQ burden alone.

15–40% Cost Savings

₹67K–₹1.8L
saved per ₹4.5L order

Buying at factory price through RT vs local wholesaler saves 15–40% on landed cost. On a ₹4.5L order, the merchant keeps ₹67K–₹1.8L that would have gone to intermediary markups.

Capital Protection

Principal Back
on Day 171, guaranteed

Deposit is not spent on goods. It's held in an FD and returned on Day 171. The buyer's capital is ring-fenced and protected. Only PI payments (30/40/30) go to suppliers — and only after the pool confirms.

FEMA + Customs Done

Zero
compliance burden on buyer

RT handles SWIFT remittance, FEMA documentation, customs clearance, duty coordination, and freight. The buyer never touches foreign exchange, never files a Bill of Entry, never deals with a customs broker.

Staged Payment — No All-In Risk

30/40/30
pay only at milestones

Unlike traditional import where 100% is paid upfront to an unknown supplier, RT's model staggers payments: 30% at factory order, 40% at ex-factory, 30% at port. Pay as goods move. Risk is spread across the shipment lifecycle.

AI-Powered Trade Intelligence

24/7
AI import assistant

Plus/Pro subscription unlocks AI agents: pool recommendations matched to buyer profile, real-time landed-cost estimation with duty breakdown, order status digests, anomaly alerts. A small trader gets the intelligence of a large import house.

The Merchant's Equation

Factory Price Access
+15–40%
margin vs wholesaler
+
Capital Protection
₹0
deposit at risk
+
Zero Compliance Burden
Done
FEMA, customs, freight
+
AI Trade Intelligence
24/7
included in subscription
=
Net Value
Import Like a Large House
at a fraction of the cost and risk
End-to-End Workflow

How It Works — The Complete Lifecycle

11 phases from registration to refund. AI agents drive automation at every step. Outsourced partners handle physical execution.

1

Onboarding & KYC

AI-Automated

Buyer registers on the platform. Selects Plus or Pro subscription. AI screens PAN, GST cert, bank details, address proof, ID proof. AML checks: sanctions screening, PEP, source of funds. Human reviews flagged cases only.

Actor: Buyer + AI Platform|Output: KYC-approved account + Subscription active
2

Slab Selection & Deposit

Financial

Buyer selects deposit slab (1–6: ₹45K to ₹7.2L). RTGS payment to RT nodal account. Funds transfer: nodal → deposit reserve account → FD in RT company name. Deposit ledger entry created as liability. Tokens issued = 30% of max order value. Day 1 clock starts.

Actor: Buyer + Bank + RT Ops|Output: Active deposit + Active tokens + FD booked
3

Pool Browsing & Order Booking

AI-Powered

Buyer browses active pools (product, supplier MOQ, estimated landed cost). AI recommends pools matched to buyer profile and past orders. Buyer commits to a pool — tokens are earmarked (30% of order value). Pool fill counter updates in real time.

Actor: Buyer + AI Platform|Output: Earmarked tokens + Pool fill progress
4

Pool Eligible — ≥70% MOQ Minimum

Milestone

Aggregate orders reach 80% of supplier MOQ → pool confirmed. RT issues PI-1 to all committed buyers for 30% of order value. Buyer pays via RTGS to RT trading account. RT aggregates collections and SWIFT remits 30% to HK supplier. Factory order placed. Tokens debited and capacity restored.

Actor: RT Ops + Buyer + Bank + HK Supplier|Output: PI-1 paid + Factory order + Tokens debited & restored
5

PI-2: Ex-Factory & Shipment

In Transit

HK supplier confirms production complete → ex-factory notice. RT issues PI-2 for 40%. Buyer pays → RT SWIFT remits 40% to HK. Goods shipped. Tracking live on buyer dashboard. Freight forwarder and HK partner manage the physical move.

Actor: HK Supplier + Freight Forwarder + RT Ops + Buyer|Output: PI-2 paid + Shipment dispatched + Live tracking
6

PI-3: Port Arrival & Customs

India-Side

Goods arrive at Indian port. RT issues PI-3 for final 30%. Buyer pays. Customs broker clears goods (Bill of Entry, duties, IGST). RT retains 30% for India-side clearance and warehouse. Goods delivered to RT warehouse.

Actor: Customs Broker + Freight Forwarder + Buyer + RT Ops|Output: PI-3 paid + Customs cleared + Goods at warehouse
7

Warehouse Handoff & Delivery

Complete

Buyer notified — goods at RT warehouse. Buyer arranges last-mile transport to their destination. Warehouse handoff confirmed. Order transaction closed. RT records 3% bank pass-through + 5% RT service fees (8% total on order value). Order appears in buyer's preset orders page for full history.

Actor: Buyer + Shared Warehouse Partner + RT Platform|Output: Delivery confirmed + 8% charges booked + Order closed
8

Day 171 — Deposit Principal Refund

Key Event

Day 170: automated pre-refund email sent. Day 171: RT initiates deposit principal refund via RTGS to buyer's registered bank account. RT bears its bank charges; buyer's receiving-bank charges, if any, deducted. GST advance liability expires (<180 days). Deposit status: FullyRefunded. Tokens remain active and usable for 30 more days (grace period Days 172–201). Refund is independent of active orders.

Actor: RT Platform (automated) + Bank|Output: deposit principal refunded + Tokens in grace period
9

Grace Period & Redeposit

Days 172–201

Tokens remain usable for 30 days despite deposit being refunded. Buyer can still book pool orders. Automated reminders: monthly, 15-day, and daily last week. Redeposit before Day 201 → tokens reset to full, new Day 1 cycle. No redeposit by Day 201 → unpaid bookings auto-cancel, tokens become inactive, preset orders page only.

Actor: Buyer + RT Platform (automated)|Output: Redeposit (new cycle) OR Token expiry + Cancellations
In Simple Words

Who Wins & How

No jargon. No spreadsheets. Here's exactly how every stakeholder gains — explained like you're explaining it to a friend over chai.

🏪

The Shopkeeper

A retailer in Bengaluru who sells mobile accessories

The Problem (Before ReximTrade)

Raj wants to buy 500 phone cases from China at ₹300 each. Total: ₹1.5L. The factory says "Minimum order is ₹10L." No factory will talk to him. His only option: buy from a Mumbai wholesaler at ₹420 each — paying 40% extra. He has no idea about shipping, customs, or duties. He's never sent money abroad. He's stuck.

The Solution (With ReximTrade)

Raj subscribes for ₹2,999/year. He deposits ₹45,000 (fully refundable). He joins a pool with 49 other shopkeepers buying the same phone cases. Together they hit ₹7.5L — above the ≥70% MOQ trigger (80% target). The pool confirms. Raj pays ₹45,000 (30% of his ₹1.5L order) only when the pool is ready. RT handles everything — payment to China, shipping, customs. Goods arrive at RT warehouse. Raj picks them up. He bought at ₹300/piece instead of ₹420 — saving ₹60,000 on this order alone. Six months later, his ₹45,000 deposit comes back.

₹60K
saved per order
|
₹0
deposit at risk
|
Zero
compliance work
🏢

ReximTrade

The platform connecting 50 Rajas to one factory

What RT Does (The Magic)

RT doesn't buy or sell goods. RT doesn't employ truck drivers or customs agents. RT is the matchmaker + trusted middleman. It collects everyone's refundable deposits (kept safely in a bank FD). It pools everyone's small orders into one big order. When the pool is big enough, it tells everyone "pay now" and sends the money to the factory. Partners handle shipping, customs, and warehousing. AI agents handle the paperwork, reminders, and tracking.

How RT Earns (Three Simple Ways)

1.
FD Interest. All deposits sit in a bank FD. RT keeps the interest the bank pays — like earning rent on money held in trust. Buyers know this and agree to it upfront.
2.
8% on Every Order. 3% covers bank/SWIFT fees. 5% is RT's service fee. On Raj's ₹1.5L order, RT earns ₹12,000. RT only earns when an order actually completes — so incentives are aligned.
3.
Subscription. Every shopkeeper pays ₹2,999 or ₹5,999/year for platform access + AI tools. Covers the tech costs. This is the entry ticket.
₹36K
per buyer per cycle
|
12
peak employees
|
71%
net margin at scale
🏭

The Factory (HK/China)

Supplier who used to ignore small Indian orders

One big order instead of 50 small ones. The factory deals with ONE entity (ReximTrade), receives ONE SWIFT payment, ships ONE consolidated container. No chasing 50 individual payments. No managing 50 relationships.
Predictable demand. Recurring pools = recurring orders. The factory can plan production. RT brings consistent volume that individual traders never could.
Payment certainty. 30% advance at factory order. 40% at ex-factory. RT aggregates buyer money first, then remits. Factory never chases payments from unknown small buyers.
New market access. India's 50M+ small retailers were invisible to this factory. ReximTrade unlocks them as a single, reliable channel.
🤝

The Partners (Banks, Freight, Customs, Warehouse)

Outsourced experts who get steady business

Bank: Gets deposit FDs, RTGS flow, SWIFT remittance fees — steady banking revenue from a compliant platform. One nodal account relationship, not 5,000 individual accounts.
Freight Forwarder: Gets consolidated container shipments — full containers, not LCL (less than container load). Steady per-shipment contract. No chasing 50 small shippers.
Customs Broker: Gets batch clearance work — consolidated Bills of Entry. Predictable volume. One client (RT) instead of 50 individual importers who don't understand customs.
Shared Warehouse: Gets steady goods inflow and storage fees. RT doesn't own a warehouse — the partner earns per-pallet/per-day. Zero vacancy risk because RT flow is contractually committed.
CA & Legal Counsel: Gets long-term retainer relationship — steady professional fees for compliance, GST filings, regulatory opinions. Not one-off transactions.

The Invisible Win — India's 50 Million Small Retailers

The biggest winner isn't listed above. It's the entire ecosystem of India's small retail — kirana stores, mobile shops, electronics dealers, garment traders — who have been locked out of global supply chains for decades. When 5,000 Rajas pool their orders through ReximTrade, they don't just save money. They build collective buying power that rivals large import houses. They access the same factories, the same prices, and the same quality that big players get. This is democratized global trade — and it only works because ReximTrade handles the trust, compliance, and logistics that small players can't manage alone.

Revenue

Three Streams from Day One

Diversified launch revenue. Interest alone cannot break even — the model requires all three streams.

Investment Returns

~7.5% p.a.

Deposits invested in low-risk instruments — bank FDs, liquid funds, short-term debt. RT retains returns as disclosed business income.

8% Embedded Charges

3% + 5%

3% bank transfer charges + 5% RT service fees. Embedded in landed cost. Dominant revenue driver at scale (84% of revenue at full scale).

Mandatory Subscription

₹2,999 – ₹5,999

Plus or Pro required before deposit. Every depositor pays annual subscription. AI-enhanced tools. Flat pricing across all slabs.

Per-Buyer Economics (Slab 3 — ₹1.35L Deposit)

FD Interest
₹4,740
Bank Charges (3%)
₹13,500
RT Fees (5%)
₹22,500
Subscription
₹4,601
Total/Cycle
₹45,341
Financials

5-Year P&L Projections

Ultra-lean Year 1 — team ≤₹5L, legal+office ≤₹5L. 3% bank = pass-through. 5% RT fees = RT's earnings. Nearly break-even at 250 orders.

Platform
Production Ready
launch now
Capital
₹19L
to break-even
RT Earnings
5%
per order (3% is bank)
B/E
~750 orders
Phase 2→3

Year 1 — Ultra-Lean Bootstrap (250 Orders)

-₹8.67L Net · Near B/E
Depositors
150
Orders
250
Avg Order
₹3L
Revenue
₹60.83L
Costs
₹69.5L
Team
2 FTE
Platform ₹5L + Team ₹5L + Legal ₹3L + Office ₹2L + Supplier contingency ₹1.5L. RT earns 5% = ₹37.5L. Break-even at ~300 orders.

Year 2 — Traction (750 Orders)

-₹9.76L Net · Near B/E
Depositors
450
Orders
750
Avg Order
₹3.5L
Revenue
₹1.98Cr
Costs
₹2.08Cr
Team
8 FTE
Redeposit: 35%. Near break-even — profitable at ~850 orders.

Year 3 — Scale (1,800 Orders)

+₹2.12Cr Net · 40% Margin
Depositors
1,200
Orders
1,800
Avg Order
₹4L
Revenue
₹5.25Cr
Costs
₹3.21Cr
Team
10 FTE
Redeposit: 45%. Cumulative: +₹1.42Cr profitable. Founder capital fully recovered.

Year 4 — Profitable (3,500 Orders)

+₹6.33Cr Net · 59% Margin
Depositors
2,500
Orders
3,500
Avg Order
₹4.5L
Revenue
₹10.68Cr
Costs
₹4.46Cr
Team
12 FTE
Redeposit: 55%. Supplier-side revenue: ₹15L. National brand.

Year 5 — Leader (6,000 Orders)

+₹13.57Cr Net · 69% Margin
Depositors
4,000
Orders
6,000
Avg Order
₹5L
Revenue
₹19.64Cr
Costs
₹6.07Cr
Team
15 FTE
Redeposit: 60%. ₹30Cr float. 100% founder-owned. Pan-India.

5-Year P&L Summary

Phase Revenue Costs Net P&L Buyers Orders FTE Margin
1. Bootstrap₹60.83L₹69.50L-₹8.67L1502502
2. Traction₹1.98Cr₹2.08Cr-₹9.76L4507508
3. Scale₹5.33Cr₹3.21Cr+₹2.12Cr1,0001,8001040%
4. Profitable₹10.79Cr₹4.46Cr+₹6.33Cr2,5003,5001259%
5. Leader₹19.81Cr₹6.07Cr+₹13.74Cr4,0006,0001569%

Revenue Mix by Phase

PhaseSubEmbed 8%Interest
1. Execution12%76%12%
2. Traction10%78%12%
3. Scale9%80%11%
4. Profitable10%82%7%
5. Leader9%84%6%

Embedded charges become dominant — order conversion is the critical metric.

Risk

Downside: Pool Fill Below 25%

PhaseRevCostNet
1175₹41L₹128L-₹87L
2525₹142L₹208L-₹66L
31,260₹375L₹321L+₹54L
42,450₹808L₹446L+₹362L
54,200₹1,500L₹607L+₹893L

Downside peak loss ~₹1.53Cr. Still profitable by Phase 3. Requires ~₹153L total capital (vs ₹74L baseline) — additional ₹79L injection in worst case.

Year 1 Cost Breakdown — ₹69.5L Ultra-Lean

Every cost category minimized. Bulk of costs are per-order variable (banking + partners = 69%).

Outsourced Partners
₹30L
43% · customs, freight, HK, warehouse
Banking & SWIFT
₹18L
26% · 250 transactions
Team + Legal + Office
₹10L
14% · ultra-lean fixed
Platform + Mktg + Cont + Supplier
₹11.5L
16% · LLM APIs, hosting, marketing, contingency, supplier buffer

With costs at ₹69.5L and revenue at ₹60.83L, the Year 1 loss is just ₹8.67L — nearly break-even at 250 orders. Capital needed for Years 1+2: ₹19L total.

Bootstrap vs Venture — Platform Ready

Capital to B/E
₹19L
ultra-lean bootstrap
Year 1 Team
≤₹5L
1-2 FTE
Year 1 Legal+Office
≤₹5L
CA + co-working
Platform
Built
₹5L/yr (LLM APIs + hosting)
Founder

Who Can Run This

This is not a tech startup. It's an import-trade platform with a deposit float. The founder matters more than the code.

A

Tech-Enabled Importer

10+ years import experience. Knows customs, freight, HK suppliers. Has built/managed a tech platform. Self-funded ₹1Cr+.

B

B2B Platform Builder

Built B2B marketplace/SaaS. Understands SME acquisition, supplier onboarding, trust mechanics. Willing to learn import via HK partner.

C

Trade Finance Operator

Former bank trade finance desk. Knows FEMA, SWIFT, LCs. Has SME importer network. Partners with tech co-founder.

Deal-Breakers

Prior FEMA/RBI/GST regulatory action
Personal insolvency or bankruptcy
CIBIL score below 650
Cannot commit full-time for the long run
First-time founder with no import/finance background
No Indian bank account or business presence
Compliance-First

Regulatory Architecture

The deposit-token model is legally defensible across RBI, FEMA, GST, and Income Tax.

RBI (PPI)

Non-monetary tokens. No stored value. No PPI license required. Day 171 refund eliminates wallet classification.

FEMA

Deposit never leaves India. Only fresh PI payments fund foreign remittance. FD interest stays domestic.

GST

Day 171 refund <180 days avoids GST advance liability. GST on subscriptions and embedded charges only.

Income Tax

Deposit = balance sheet liability. Interest = taxable business income. TDS on FD claimed as credit.

Risk Factors

Three Things That Can Kill This

01

Running Out of Capital

Pilot phase burns ₹76L on ₹6L revenue. If pools don't fill reliably before capital exhausts, the business dies. Lean model buys extra runway but requires disciplined spending.

02

RBI Reclassification

A single circular can classify the token-deposit model as a PPI. No business model survives this. The architecture is designed to avoid it, but regulatory risk is existential.

03

Founder Burnout

The founder manages partners instead of employees, closes buyers personally, navigates regulatory grey zones, and endures sustained losses. The personal toll is extreme.

Complete Operational Reference

100% End-to-End Workflow

Every step. Every actor. Every artifact. Every compliance checkpoint. The complete operational specification for building and running ReximTrade.

KYC & AML Requirements

KYC Document Checklist

DocumentPurpose
PAN CardTax identity verification
GST CertificateBusiness registration
Bank VerificationRTGS refund destination (cancelled cheque/bank letter)
Address ProofUtility bill / rent agreement
ID ProofAadhaar / Passport / Driving Licence

AML Controls

ControlWhen Applied
Sanctions ScreeningAccount creation (OFAC, UN, RBI)
PEP CheckAccount creation
Source-of-FundsDeposit initiation (Phase 3)
Enhanced Due DiligenceSlabs 5–6 or flagged accounts

Final KYC/AML checklist sign-off with nodal bank and counsel required before launch.

Phase-by-Phase Operational Detail

Phase 1: Buyer Onboarding & KYC Steps 1.1–1.8
StepActorTriggerActionsOutputSLA
1.1BuyerVisits websiteDiscovers value prop; reviews slabs & T&CAwareness
1.2BuyerClicks registerCreates account with business detailsAccount (pending)
1.3RT Ops / PlatformAccount createdKYC/AML screening; sanctions, PEP, SOF reviewKYC approved / rejected1–3 biz days
1.4BuyerKYC approvedReviews & accepts T&C, Deposit AgreementSigned agreements
1.5BuyerReady to participateSelects Plus or Pro subscription planPlan selected
1.6BuyerPlan selectedPays Plus (₹2,999+GST) or Pro (₹5,999+GST)Subscription active
1.7BuyerSubscription activeSelects deposit slab (1–6)Slab assigned
1.8BuyerReady for poolingPays security deposit → Phase 3Deposit initiated
Phase 2: Product/SKU Selection & Pool Creation Steps 2.1–2.4
StepActorTriggerActionsOutput
2.1RT OpsSupplier onboardedCreates pool listings: SKU, MOQ, estimated landed costActive pool catalog
2.2BuyerLogged in, KYC approvedBrowses active crowd-sourcing poolsPool shortlist
2.3BuyerEvaluates capacityConfirms slab aligns with intended volumeSlab locked
2.4PlatformSlab confirmedDisplays token ceiling & booking rulesCapacity preview
Phase 3: Security Deposit Payment Steps 3.1–3.7 · Nodal → Reserve → FD Flow
StepActorActionsOutputSLA
3.1PlatformGenerates payment instructions for nodal account (RTGS)Payment ref / UTRImmediate
3.2BuyerTransfers slab deposit via RTGS to RT nodal accountBank debitBuyer-initiated
3.3Bank / RT OpsReconciles RTGS; credits deposit ledger as liabilityDeposit ledger entryT+0 to T+1
3.4RT Ops / BankTransfers funds from nodal → deposit reserve accountReserve creditSame day
3.5RT Ops / BankBooks FD in RT name from reserve (not pledged)FD certificate1–2 biz days
3.6PlatformIssues tokens = 30% of max order value; Day 1 clockActive tokensSame day
3.7PlatformSends deposit confirmation + token allocation summaryEmail receiptDay 1 auto
Phase 4: Pool Formation & Order Booking Steps 4.1–4.7
StepActorActionsOutput
4.1BuyerSelects pool; specifies order quantity within token ceilingBooking request
4.2PlatformValidates: token capacity, active deposit, order value limitsValidation result
4.3PlatformEarmarks tokens for booking; adds to pool aggregateEarmarked tokens
4.4RT Ops / PlatformMonitors pool fill progress toward MOQPool dashboard
4.5PlatformSends approaching 80% MOQ alert to committed buyersNotification
4.6PlatformAggregate ≥ 70% MOQ minimum (80% target) → pool eligible; proceed to PI-1Pool: eligible
4.7PlatformBelow 70% MOQ → pool cancelled before PI-1. Tokens released. RT never places order. No buyer money spent.Pool: cancelled
Phase 5: Staged PI Payments — 30% / 40% / 30% Steps 5.1–5.15

Tranche 1 — 30% at Pool Confirmation

StepActorActionsOutput
5.1RT OpsIssues PI-1 to committed buyers: 30% due, payment instructionsPI-1 per buyer
5.2PlatformSends pool-full notification with PI-1 and payment instructionsEmail + dashboard
5.3BuyerPays 30% of order value via RTGS to RT trading accountPayment initiated
5.4RT Ops / BankReconciles Tranche 1; verifies amount matches PI-1Tranche 1 confirmed
5.5RT OpsAggregates 30% collections; SWIFT remits 30% to HK supplierFactory order placed
5.6PlatformDebits earmarked tokens; restores capacity; marks order confirmedOrder: confirmed

Tranche 2 — 40% at Ex-Factory

5.7HK SupplierEx-factory notice → goods ready; issues PI-2PI-2; ex-factory alert
5.8BuyerPays 40% via RTGS to RT trading accountPayment initiated
5.9RT Ops / BankReconciles Tranche 2Tranche 2 confirmed
5.10RT OpsSWIFT 40% to HK supplier; triggers shipmentRemittance advice
5.11HK SupplierShips goods; provides B/L, packing list, commercial invoiceShipment in transit

Tranche 3 — 30% at Port Arrival (Clearance + 8% Charges + Buffer)

5.12RT Ops / FreightPort arrival notice → issues PI-3 for final 30%PI-3; arrival alert
5.13BuyerPays 30% + 8% charges + goods buffer via RTGSPayment initiated
5.14RT Ops / BankReconciles Tranche 3Tranche 3 confirmed
5.15RT OpsFunds customs clearance; duties/GST coordination; goods to warehouseClearance initiated
Phase 6–9: Import Execution → Deliver → Refund → Grace Period

Phase 6: Import Execution (HK Supplier, Freight, Customs)

6.1HK Supplier confirms factory order → production → ex-factory notice
6.2Ex-factory → PI-2 triggered
6.3PI-2 paid → export shipment; B/L, packing list, commercial invoice
6.4Shipment tracked; buyer dashboard updated
6.5Port arrival India → PI-3 triggered
6.6Customs broker files Bill of Entry; duties/IGST coordinated
6.7Goods received at RT warehouse → buyer notified

Phase 7: Warehouse Handoff & Buyer Receipt

7.1Buyer selects transport mode from RT warehouse to destination
7.2Warehouse handoff confirmed; inspection window
7.3Order closed; 5% RT fees booked; preset orders page updated
7.4Buyer may renew deposit → new Day 1 cycle

Phase 8: Day 171 — Deposit Principal Refund

8.1Day 170: automated pre-refund email (deposit principal tomorrow)
8.2Day 171: RT initiates deposit principal refund via RTGS to buyer bank
8.3Bank credits buyer account; deposit ledger updated to FullyRefunded
8.4GST advance liability expires (<180 days); FD principal broken/rolled

Phase 9: Grace Period & Redeposit (Days 172–201)

9.1Days 172–201: tokens remain usable for booking despite refund
9.2Redeposit reminders: monthly, 15-day, daily last week
9.3Redeposit before Day 201 → new Day 1 cycle, tokens reactivated
9.4Day 201 no redeposit → unpaid bookings auto-cancel; tokens inactive
9.5Buyer retains preset orders page for confirmed/delivered orders only

State Machines

Deposit States

Pending → RTGS received
Active → Day 1 clock started
FullyRefunded → Day 171 complete
GraceActive → Days 172–201
Expired → Day 201 no redeposit

Token States

Inactive → No deposit
Active → Deposit credited
Earmarked → Buyer booked pool
Debited → PI-1 paid, capacity cancelled
Restored → Capacity freed

Order / Pool States

PoolOpen → Active listing
Booked → Buyer committed
PoolConfirmed70 → ≥70% MOQ (80% target)
Shipped → In transit
Delivered → Closed

Automated vs Manual Steps

ProcessAutomatedManual / Partner
Account registration✓ PlatformKYC review & approval
Slab selection & token calc✓ Platform
Deposit payment✓ Platform (instr.)Bank reconciliation
FD bookingRT Ops / Finance
Token issuance & earmarking✓ Platform
Pool fill monitoring✓ PlatformPool curation, SKU selection
Pool confirmation (≥70% MOQ)✓ PlatformOps verification
PI generation & distributionPartialPI drafting, supplier coordination
SWIFT remittance to HKRT Ops / Finance
Customs clearanceCustoms broker (outsourced)
Day 170/171/200/201 emails✓ Platform
Day 171 refund batch✓ Platform (trigger)RT Ops / Finance execution
Token inactivity & auto-cancel✓ Platform
Dispute resolutionRT Ops, Legal

Notification & Communication Schedule

TriggerRecipientChannelPurpose
Day 1BuyerEmail (auto)Deposit confirmation + token allocation
Pool bookingBuyerEmail / dashboardEarmark confirmation, fill progress
70% MOQ reached (min.)BuyerEmail (auto)Pool eligible; PI-1 incoming
PI-1 issuedBuyerEmail (auto)Tranche 1 invoice + payment instructions
PI-1 paidBuyerEmail / dashboardPayment confirmation; order confirmed
Ex-factoryBuyerEmail (auto)PI-2 incoming; production complete
Shipment dispatchedBuyerEmail / dashboardTracking information
Port arrivalBuyerEmail (auto)PI-3 incoming; goods at port
Customs clearedBuyerEmail / dashboardGoods at warehouse; arrange pickup
Day 170BuyerEmail (auto)Deposit principal refund tomorrow; active milestones shown
Day 171BuyerEmail (auto)Deposit principal refunded
Grace periodBuyerEmail (auto)Redeposit to continue (monthly / 15-day / daily)
Day 201 no redepositBuyerEmail (auto)Tokens inactive; unpaid cancelled; preset orders only
Payment default on PIBuyerEmailPayment overdue; order at risk; cancellation policy invoked

Regulatory Compliance Checkpoints

RBI — PPI Avoidance

Tokens: non-monetary, non-transferable, non-encashable
Nodal → reserve → FD flow; not pledged as collateral
Day 171: deposit principal refunded; RT bears bank charges
No wallet behavior; tokens not presented as currency

FEMA — Foreign Exchange

Deposit never leaves India
Only fresh PI funds remitted abroad
FD interest stays domestic (Indian opex only)
Nodal/deposit account ≠ trading account

GST Compliance

No GST on deposit (refundable security, not advance)
GST on subscription (B2B service; tax invoice)
GST on RT fees at delivery (buyer invoice)
180-day rule: Day 171 refund < 180 days avoids advance GST

Income Tax & Accounting

Deposit = balance sheet liability, not income
FD interest = taxable business income; TDS credit claimed
Refund = liability reduction; no expense on principal

Exception & Edge Case Flows

Pool Fails to Fill (Below 70% MOQ)

Pool fill < 70% → entire pool cancelled before PI-1. All earmarked tokens released. RT never places the order with the supplier. No buyer money is ever spent. Buyers notified and can rebook other pools.

Buyer Cancels Before PI-1

Pool still open → earmarked tokens released. Pool already confirmed → cancellation may not be permitted without penalty.

Buyer Fails to Pay PI Tranche

Payment window expires → order marked tranche-overdue. RT Ops removes buyer from pool shipment; reallocates quantity. Cancellation penalties apply per policy.

Supplier Default / Quality Issues

RT is facilitator, not guarantor. Options: re-source from alternate supplier, refund buyer PI payments for undelivered goods, or offer account credit. Disputes on goods are separate from deposit refunds.

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