Your work is your proof
Pramaan (प्रमाण, "proof") turns the invisible work of India's informal workers, women collectives and farmers into portable, verifiable records — and builds credit, cooperation and a safety net on top of them.
The problem
Daily-wage workers, domestic help, gig riders, women's self-help groups and smallholder farmers carry the economy — yet the financial system cannot see them. No payslip means no credit. No credit means informal lenders. No collective voice means no bargaining power.
Skills, work history and reputation are scattered across employers, platforms and villages — and lost every time a worker moves.
Traditional scoring needs formal income. Real repayment behaviour, crop health and community trust go uncounted.
Individually, a buyer or seller has no bargaining power — and joining a group often means exposing personal details.
When a crop fails or work dries up, relief arrives late, partially, or not at all.
Who Pramaan serves
Each community enters Pramaan through a different door, but every door opens onto the same shared rails of identity, credit, cooperation and programmable money.
A portable proof of who you are and what you've done — that travels from job to job and turns into credit.
Collective buying, selling and recognition — with bargaining power that doesn't demand giving up privacy.
Credit assessed from the field itself, and a safety net that pays out automatically when it's needed.
The patent-pending portfolio
No single invention solves inclusion. Pramaan's ideas are designed to feed each other: identity enables credit, credit enables cooperation, cooperation runs on programmable money, and every step is verified and reviewable. Tap any idea to see what it connects to.
Click a node to trace its connections · click again to clear.
Purpose-built money
Ordinary money is the same coin for everything. Pramaan gives each financial job its own programmable form of India's digital rupee, with its rules and protections built in. These are extensions of RBI's e₹, not separate currencies. RBI keeps master control, and no private stablecoin is involved.
Each transaction is checked against game-theoretic and constitutional rules before it executes, so terms that exploit the weaker party are rejected at the source.
Wages are split automatically into emergency, medium-term and long-term savings, with a yield floor that rises with inflation.
Zero-collateral loans. If wage inflows stop, repayments pause automatically and interest stops compounding.
Cooperative ownership with quadratic voting, so a few large holders can't capture the group.
Satellite-verified claims, settled in days, backed by primary, regional and national pools in turn.
Pooled buying optimised for budget, nutrition and logistics, held in escrow until quality-checked delivery.
Covered in Programmable e₹ at Billion-User Scale · patent pending
Care, kindness and community work create real value that no financial system records. Any registered cooperative, FPO or self-help group can recognise it. The tokens can't be bought, sold, gifted or swapped, so they can only be earned.
Sustained listening, mediating conflicts, bridging divided groups.
Direct aid, caregiving for the elderly or sick, crisis response, animal welfare.
Organising the community, resolving conflicts, including the marginalised, preserving culture.
Active cooperative work, mutual aid and time banking, sharing knowledge.
Honouring teachers, mentors, elders and past benefactors in tangible ways.
Fully reserve-backed by the issuing cooperative · portable across cooperatives through federated verification · covered in Dharmic Tokens · patent pending
How it fits together
Pramaan is what workers, collectives and farmers see. Prahari.ai is the governance engine underneath that makes every rule, decision and transaction verifiable.
Shramik, Naari and Karshak — through simple, assisted, mobile-first experiences.
Portable credentials, cross-sectoral scoring and satellite-verified farm credit.
Anonymous cooperative formation, identity-blind collective purchasing, demand aggregation and Dharmic Tokens.
Programmable e₹ rails, ten specialised e₹ tokens, automated safety nets and atomic, progressive tax at source.
Game-theoretic transaction checks, human review of AI decisions and privacy-preserving impact analytics.
The constitutional governance backend that encodes and mathematically verifies the rules Pramaan runs on. Learn about Prahari.ai →
The founder
An independent researcher and builder based in Bengaluru, Jagan brings together three decades of technology and a lifelong view of how cooperatives actually work — and fail — on the ground.
Pramaan is the result: a system designed for the people the financial system was never built to see.
Where we are
Fourteen Pramaan ideas filed in India, patent pending.
Prahari.ai backend in development, with formally verified foundations.
Pramaan PoC and preparation for the RBI e₹ retail sandbox.
Pilots with worker cooperatives, women's collectives and farmer groups.
Build it with us
We're looking for partners to pilot Pramaan with real communities, and investors who believe financial inclusion is infrastructure, not charity.