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Startup Atlas · Fintech

Chillr Acquired

Backwater Technologies Private Limited Kochi, Kerala Founded 2014
Sony Joy · CEO Anoop Sankar Lishoy Bhaskaran Mohamed Galib
$8 MnTotal funding (tracked)
2Funding rounds
1 Oct 2015Last round

Chillr: Business Model Canvas

The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.

Value Propositions

OTP-free instant bank transfers

Chillr let users send money without needing an OTP or to remember account numbers/passwords.

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Send money to nearby people without knowing their number

The app claimed a proximity-based transfer feature so users could pay people near them without knowing their phone number.

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Customer Segments

Customers of major Indian banks

Full send-and-receive was live for HDFC Bank and Bank of Baroda customers; customers of other major banks could only receive money.

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Customer Relationships

No cited public information yet.

Channels

Native mobile apps

Chillr distributed via native apps on Android, iOS and Windows.

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Key Activities

No cited public information yet.

Key Resources

Incubated inside MobME Wireless Solutions

Chillr was built as a product inside MobME Wireless Solutions before being spun off as an independent company in December 2014.

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Key Partnerships

50+ partner banks

Chillr offered payment services across more than 50 banks.

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HDFC Bank mobile banking tie-up

Chillr tied up with HDFC Bank in February 2015 to offer mobile banking solutions, and by October 2015 claimed over 200,000 linked-account users.

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Revenue Streams

No direct transaction fee (bank-levied charges only)

Chillr did not charge end-customers or banks for transactions itself; individual banks were free to levy their own transaction charges.

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Cost Structure

No cited public information yet.

FAQs on Chillr

What is Chillr's business model?

Chillr's core value proposition centers on OTP-free instant bank transfers, Send money to nearby people without knowing their number.

How does Chillr make money?

Chillr's cited revenue streams include No direct transaction fee (bank-levied charges only).

Sources & corrections. Every fact on this page is compiled from cited public sources — follow the "source" links beside each entry. Profile sources: inc42.com · Last verified 24 Aug 2026. · Report a correction