Stoq

The AI that makes 13.7 million kiranas think, stock, buy, lend, and compete as one.

Stoq is a coordination layer on Paytm Soundbox that turns isolated kiranas into a mesh. It infers stock from supplier payments, pools demand for 14 to 20 percent bulk savings, forecasts cash flow and routes mesh credit at 6 to 8 percent APR, and handles GST compliance. Voice-first in 11 languages, with Soundbox and WhatsApp briefings.