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// who we are

We make repayment effortless & fair

Xlock started with a simple belief: financing a phone shouldn't be a gamble for lenders or a trap for customers. So we built the security layer that keeps both sides honest.

// our story

From a lending problem to a protection platform

Our founders spent years inside NBFCs watching good loan books quietly bleed — devices disappearing, EMIs going unpaid, collection teams stretched thin. The tools available were clumsy and easy to defeat.

Xlock was built to fix that at the root: a tamper-proof, humane way to tie a working device to on-time repayment. Today we protect millions of devices across lenders and retail chains — and we're just getting started.

Our mission

Make device financing safe, transparent and accessible for everyone in the chain.

Our vision

A world where every lender can extend credit with confidence — and every borrower is treated fairly.

// our journey

From a simple idea to millions of devices

A quick look at the milestones that shaped Xlock into the platform lenders rely on today.

2019

The beginning

Xlock is founded after watching lenders lose crores to defaults on financed smartphones — with no fair way to recover them.

2021

1 million devices secured

Our tamper-proof enrollment crosses a million active devices as regional NBFCs and retail chains come on board.

2023

Series B & national scale

Fresh funding powers a nationwide rollout, real-time tracking and a developer-first API for fintech partners.

2025

5.2M+ devices, 40+ regions

Xlock becomes the trusted command centre for over 1,200 lenders — protecting repayment across the country.

// what we stand for

Values that shape every release

Security first

Every feature is engineered to be tamper-proof and audit-ready from day one.

Fairness to borrowers

Honest customers should always get a smooth, unlocked experience — no friction.

Relentless reliability

Lenders trust us with their books, so uptime and accuracy are non-negotiable.

Radical transparency

Clear logs, clear reporting and clear pricing — no black boxes.

Built to scale

From a single store to a national portfolio, the platform grows with you.

Always-on support

A real team, available 24/7, that understands lending as well as software.

// by the numbers

Trusted where it counts

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Lenders & retailers
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Devices protected
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Platform uptime
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Team members
// why partner with us

More than software — a repayment partner

We combine technology that actually holds up in the field with a team that understands the economics of lending.

  • Deployment support that gets you live in days
  • Compliance-friendly, transparent enforcement
  • Dedicated success manager for every partner
  • Continuous updates against new tamper methods
Talk to our team

Recognised across fintech & device-security

FinTech50 LendTech Awards G2 High Performer ISO 27001 SOC 2 Type II Deloitte Fast 50

Ready to protect your book?

Let's walk through how Xlock fits your lending or retail operation — no pressure, just a clear picture.

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