apidays LIVE India 2022: Accelerating India’s digitisation with APIs May 11 & 12, 2022 Connecting the supply chain financing ecosystem Manish Balani, VP Supply Chain Services Business (GST, E-way Bill and E-invoice) at Vayana Network ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

1. Vayana Network – A Network and Gateway for every SMB in India for their GST,
Invoicing and Invoice Financing Needs
History
• India’s largest 3rd Party Trade Financing Network
and largest GSTN Auth GSP
• Promoted by Bankers, Technologists with global
txn banking experience
• Series C Funded Backed by Institutional Investors
& Marquee VCs like Chiratae, Jungle VC, IFC &
CDC Group.
• Offices – India (10 Cities), Singapore, US & UAE
WhatWe Do(Domain)
• Major SBUs :- Supply Chain Finance (SCF) and
Supply Chain Service (SCS)
• 3 Platforms – Financing, Discounting & Compliance
(Pureplay GSP)
• 6 Core Products – Covering every segment of Supply
chain for financing and compliance
• 2 Business Intelligence Products – to monitor entire
supply chain in real time
OperatingandFinancialMetrics
• USD 10 Bn+ financed till date thru 25+ Financial Institutions
• 500+ Supply Chains activated, across 18 industries, 2 Mn+
Invoices digitized, 150K+ Enterprises.
• GSP Metrics: 3 Bn+ APIs with Zero Downtime served 3.5 Lacs+
GSTINs, Powering API services to 100+ ASPs & 1000+ corporates.
• 1 out of 5 E-invoices processed in India
ITInfra/TechStack
• Autoscaling, Auto Failover architecture ensuring
Zero unscheduled downtime
• AWS India (geographical redundancy)
• Arch. Components: EC2 Servers, ELB (Load
Balancers), Docker/Fargate (Autoscaling), Route
53 (ext. DNS), CISCO routers (IPSec), Cloudwatch
(logging), DynamoDB, RDS (Relational DB), VPC
(setting VPN, multiple subnets, security rules)
• PCI DSS, ISO 27001:2013, SAP Silver Partner
NetworkPresence OurPartnersandClients
India – 25 states, 150+ cities, 10% of total Pincodes Partner Financial Institutions
Domestic
Partners
International
Partners
Anchors on our
Network
ASPs & Corporates we serve
7of Top10 OEMS
7of Top 10Pharma
Top 5OMCs
3of Top10 FMCG
~ 75%ofSAP Cos
2of Top6 Big
Audit Firms
TechnologyInvestments
• GST Compliance - GSP, E-Invoicing App, Good Business
Score
• B2B Card Payment & Financing Infra
• SME Biz-Ops Automation - Connected Banking
solutions
• SCF Full Stack Infra - Digital Onboarding, LOS, LMS
• People (~200 Resources) - Engineers :- 50,
Tax Domain Experts :- 5, Designers :- 15, Devops :- 10,
GTM :- 100 , Others :-10

2. 2022 SERIES OF EVENTS
New York
JULY
(HYBRID)
Australia
SEPTEMBER
(HYBRID)
Singapore
APRIL
(VIRTUAL)
Helsinki & North
MARCH
(VIRTUAL)
Paris
DECEMBER
(HYBRID)
London
OCTOBER
(HYBRID)
Hong Kong
AUGUST
(VIRTUAL)
JUNE (VIRTUAL)
India
MAY
(VIRTUAL)
APRIL (VIRTUAL)
Dubai & Middle East
JUNE
(VIRTUAL)
Check out our API Conferences
www.apidays.global
Want to talk at one of our conferences?
apidays.typeform.com/to/ILJeAaV8

3. Payables
Sub Vendors
Micro & Small
Vendors
Medium & Small
OEMs/
Corporates
Distributors
Medium & Small
Retailers
Micro
Receivables
Factoring
Channel Financing
Vendor Financing
Pre-Shipment &
Post-Shipment
Reverse Factoring
Domestic &
Cross Border
Supply Chain FINANCE
Zero-Change,
Embedded
Solutions for SMEs
in mins
Eway Bill &
eInvoicing
Invoicing, AR and AP Automation
(NeoBank)
Comprehensive
Financing Products
Supply Chain SERVICE
GST
Compliance
Business Health Monitoring
Through
Good Business Score
Need for a
Financing Gateway for the entire Supply Chain

4. Referral based Sourcing
OEM
Tier 1
Last Mile
Supply chain visibility
Trade and Payment Track
record
The V.I.B.E Model
Vintage Inter-Dependency Brand
Pull
Existing
Biz & Credit
End –To End Service
GBS Score for Underwriting and
Monitoring
Digitally Onboarding and Transaction
Platform
Settlements Through Nodal Account
One To Many Relationships
Brand 1 Distributor Brand 1 Retailer
Brand 2 Distributor
Brand 3 Distributor
Every SCF Platform needs to do
Customer Acquisition at Scale

5. MSME Financing – an Iceberg needing a different approach
Emerging Business– Supplier /
Dealers
• Inadequate Coverage
• High Servicing Costs
• Poor Utilization
• Poor Digitization
• Poor Trade Data
• High Acquisition Costs
• High Servicing Costs
• Poor Digitization
• High Interest to Margin Ratio
Servicing the $57 Bn unmet need top-down on the back of $43 Bn Formal Credit By Banks & FIs
Formal
Financing
$43 Bn per
month
Unmet
Financing
$ 57 Bn per
month
Massive Opportunity Available
Corporates
Tier I Partners
Tier II Partners
Micro Enterprises
Need to solve for the Supply Chain below them
Key SCF Challenges Across The Spectrum

6. Journey on SCF and Analytics - leveraging from initial trade relationship
The SCF Platform must discover virally new connections between suppliers and buyers and add
financing flows and more importantly far more trade information to mitigate risk.
SUPPLIER
SUPPLIER
SUPPLIER
MANUFACTURER
MANUFACTURER
MANUFACTURER
DISTRIBUTOR
DISTRIBUTOR
DISTRIBUTOR
RETAILER
RETAILER
RETAILER

7. The problem statement
managing receivables and payables is a struggle for any Business
Payment delays leading to
stretched working capital cycle
High processing costs due to
non electronic methods
Manual / broken processes due
to lack of automated solutions
Cumbersome recon process
due to disconnected ERP &
Banking
Restricted payment options to
fast-track collections
Limited transaction visibility
leading to lack of 360° view of
business
Lack of control over Account
Payable management
Lack of relevant working capital
products for different segment
and sectors
These challenges have an impact on business working capitalefficiencyand accessto financing

8. What’s happening
right now?
Transaction follow-ups & reminders
Track collections manually
Reporting & Reconciliations
Real-time Business Dashboards
Working Capital Efficiency
Most value
Most time &
effort spent

9. Need to think it through
The complete ecosystem for SMEs

10. Understand
GSP API Ecosystem for Supply Chain Service

11. Need for
Enrichment of GSP API Ecosystem for Supply Chain Service

12. How to solve Anchor Corporate’s
Dealer Financing Problem through GST Data Analytics?
GST Data
in one-click
Comprehensive
GST Analytics
Vayana Good
Business Score
Underwriting for
Last Mile Car Dealer/Transaction
Single click GST data access
with customer consent
Converting raw GST data to rich
insights on the standing of each
business
Identify credible borrowers and
continuously monitor business health
for early warning signals
Use insights from GST Analytics
and Good Business Score to
assess a Credit limit

13. Entire Supply Chain Service through
API Marketplace for Everything :- GST, Eway Bill, Einvoice, Lending, AR/AP
Automation

14. Supply chain financing and Supply chain service
Questions ?