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Trusted device-financing security

Lock every EMI. Never chase a default again.

Xlock gives lenders, NBFCs and retailers a single command centre to remotely lock, track and recover financed smartphones — so repayment stays on schedule and devices stay protected.

Start securing devices See how it works
NBRTFC+
★★★★★ 1,200+ lenders & retail chains onboard
// device_id · RX-84021 Protected
EMI status On track
Repayment progress 72%
Live location Active
Payment receivedAuto-unlocked
Devices secured5.2M active

Powering repayment for modern lenders & retail chains

FinCore NexPay UrbanCell CreditNova MobiMart QuickLend
// what Xlock does

One platform to protect every financed device

From enrollment to recovery, Xlock covers the full lifecycle of an EMI device — quietly enforcing repayment without the collection headaches.

Automatic EMI enforcement

A missed payment automatically locks the device according to your predefined schedule, while a cleared payment instantly restores access. Keep EMI collections on track with automated enforcement, timely reminders, and seamless unlocking — reducing manual follow-ups, operational effort, and awkward payment calls.

  • Automatic Device Locking : Restrict device access instantly when an EMI becomes overdue, based on your predefined rules and schedule.
  • Instant Payment-Based Unlocking: Once the pending EMI is cleared, device access is restored automatically without manual intervention.
  • Smart Reminders & Reduced Follow-Ups: Send timely payment reminders and reduce collection efforts, operational workload, and unnecessary payment calls.
See the flow
01

Live tracking & anti-theft

GPS location, SIM-swap alerts and tamper detection keep every unit accounted for.

02

Smart payment reminders

Lock-screen nudges, SMS and push reminders that lift on-time payments dramatically.

03

Bank-grade security

Encrypted enrollment and tamper-proof provisioning that survives factory resets.

// built for the lending stack

One platform, every kind of lender

From single-store retailers to national NBFCs — Xlock adapts to how you finance and how you recover.

NBFCs & lenders

Protect large financed portfolios with automated, policy-driven enforcement at scale.

  • Bulk lock & release by cohort
  • Risk-based reminder journeys
  • Portfolio-wide recovery reporting

Retailers & OEM stores

Sell more devices on EMI with confidence — every unit stays protected from day one.

  • 60-second in-store enrollment
  • Instant unlock on payment
  • Anti-theft & tamper alerts

Fintech & BNPL

Plug device security into your flow with a developer-first API and clean webhooks.

  • REST API & SDKs
  • Real-time payment webhooks
  • White-label lock screens
// built for lenders

Turn every financed phone into a repayment guarantee

Defaults, disappearing customers and un-recoverable devices quietly erode your margins. Xlock closes that gap by making repayment the condition for a working phone — fairly, transparently and automatically.

  • Onboard a device at the point of sale in under a minute
  • Enforce EMI schedules without a collections team
  • Recover high-risk units before they go dark
  • Give honest customers a smooth, unlocked experience
More about Xlock
// the numbers

Measurable protection, at real scale

0
Devices secured
0
Recovery rate
0
Live monitoring
0
Cities covered
// how it works

From sale to settlement in four steps

A guided lifecycle your team can run without any technical overhead.

01

Enroll

Provision Xlock on the device at point of sale and link it to the customer's EMI plan.

02

Configure

Set the repayment schedule, grace window and reminder rules that fit your policy.

03

Monitor

Track payments, device health and location across your whole portfolio in real time.

04

Enforce

Auto lock on default, auto unlock on payment, and recover devices when it matters.

// security first

Bank-grade protection, end to end

Every enrollment, lock command and payment event is encrypted and tamper-proof — engineered to survive factory resets and stand up to audits.

  • AES-256 encryption at rest and in transit
  • Provisioning that persists through factory resets
  • Role-based access & full audit trails
// why Xlock

The safeguards lenders actually ask for

Every feature is designed around one goal — protecting your book while keeping honest borrowers happy.

61%
fewer defaults
3×
faster recovery

Instant control

Lock, unlock or message any device from one console.

Tamper-proof

Survives resets, root attempts and SIM swaps.

Bulk operations

Act on thousands of devices in a single click.

Clear reporting

Portfolio health and audit logs, export-ready.

// customer stories

Loved by lenders and retailers alike

“
★★★★★

Our EMI defaults dropped by more than half in the first quarter. The auto lock-and-unlock flow means my team stopped chasing payments entirely.

AK
Arjun Kapoor
Head of Collections, FinCore
“
★★★★★

We finance thousands of phones a month. Xlock lets us onboard at the counter in seconds and recover risky units before they vanish. Game changer.

SM
Sana Mirza
Director, UrbanCell Retail
“
★★★★★

The dashboard is clean, the reporting is audit-ready and support is genuinely 24/7. Rolling it across 40 cities took days, not months.

RV
Rahul Verma
COO, QuickLend
// faq

Questions, answered

Everything lenders and retailers ask before going live with Xlock.

Commands are delivered over the air in under two seconds on an active connection, and queue automatically to execute the moment a dormant device reconnects.

No. Even when locked, devices retain access to emergency calls and a clear payment prompt — enforcement is firm but never leaves a customer stranded.

Yes. Enrollment is tamper-proof and persists through factory resets, SIM swaps and root attempts, with protections updated continuously against new bypass methods.

Xlock exposes a REST API, SDKs and real-time webhooks, so lock and unlock events stay in sync with your LMS, collections stack or BNPL flow.

Most partners are live within a few days. In-store enrollment takes under a minute per device, and our team supports the full rollout end to end.

Secure today. Protect tomorrow.

Join the lenders and retailers who turned every financed device into a repayment they can count on. See Xlock live in a 20-minute walkthrough.

Book a demo Learn more