Empowering 8,500+ Mobile Retailers, NBFCs, and Smartphone Lenders across India with 100% legal collateral hypothecation, instant A4 legal loan agreement generation, zero-spam enrollment, and autonomous 3-stage pre-lock reminder alerts & grace-period device locking for zero-default EMI recovery.
Unlike unverified screen-locking tools, ZTXEYE operates under strict compliance with Reserve Bank of India (RBI) Digital Lending Directives, the Indian Contract Act 1872, and the Digital Personal Data Protection (DPDP) Act 2023.
In accordance with financial jurisprudence, ZTXEYE locks only the specific smartphone purchased under the credit facility. The financed handset acts as the physical collateral security for the debt, identical to vehicular hypothecation under commercial law.
Every device setup is preceded by borrower consent. At the point of sale, the customer signs an A4 Legal Loan Agreement explicitly acknowledging the installation of device management software and transparently consenting to temporary restrictions in the event of default.
Ethical, non-harassing recovery is hardcoded into our architecture. Automated multilingual notifications (SMS & on-screen reminder banners) alert the borrower 3 days, 1 day, and on due date. Devices are NEVER restricted without prior notice.
Human life and safety always take precedence. Even during an active payment restriction lock, standard Indian emergency helplines (112, 100, 108, 101) remain 100% accessible and dialable directly from the lock screen.
ZTXEYE respects borrower privacy completely. The app operates strictly as an OS policy controller—it has ZERO access to private WhatsApp messages, phone gallery, personal photos, camera feeds, or personal documents.
One-click generation of a standardized, legally binding A4 Loan & Hypothecation Agreement complete with customer KYC photo, Aadhaar/PAN details, IMEI fingerprint, tenure schedule, and retailer rubber-stamp declaration.
Zero manual phone calls. Zero customer harassment. ZTXEYE's server engine automatically syncs exact calendar repayment dates, triggers polite rate-limited reminder notifications (max 3–4x/day), and enforces autonomous device locking only after statutory grace periods expire.
When a phone is provisioned via 6-tap QR setup, the device stays completely silent. No spam popups or irritating notification sounds bother the customer upon unboxing.
Exactly 3 days before the scheduled EMI due date, the device delivers courteous upcoming payment reminders displaying the exact EMI amount, due date, and UPI payment details.
On the exact repayment day, the device posts an official "EMI Due Today" notification. The customer can tap directly into the app to pay via PhonePe / GPay QR with instant ledger confirmation.
If the borrower misses the due date, ZTXEYE initiates an ethical grace period. Daily alerts count down the days remaining before restriction, giving honest customers time to arrange funds.
Once the 3-day grace period lapses without payment, the server automatically triggers full device lock with custom retailer contact and dynamic UPI payment QR on the lock screen.
As soon as the retailer records installment payment, the device unlocks immediately, remaining tenure decrements accurately, and the next EMI due date automatically rolls over by +1 month.
Designed for busy retail store counters. Complete customer KYC, print legal agreement, and enforce device ownership in under 2 minutes.
Retailer enters customer name, mobile number, Aadhaar/PAN details, and maps the device IMEI directly on the ZTXEYE portal.
System instantly generates a formal Loan Hypothecation Agreement. Customer reviews EMI due dates and signs explicit collateral consent.
Tap 6 times on the Android welcome screen, connect Wi-Fi, scan the QR code. ZTXEYE installs seamlessly as Device Owner with tamper protection.
Server auto-schedules polite reminders 3 days prior & on due date (capped 3–4x/day). 3-day grace countdown alerts borrowers, followed by autonomous lock on Day 4+ if unpaid.
See how much working capital your mobile retail store or NBFC saves annually by stopping EMI defaults with ZTXEYE.
Official, cryptographically signed APK package whitelisted for Google Play Protect and Android Enterprise. Scan the QR code from any smartphone to download, or click below for a direct download.
Never risk police complaints or customer consumer court notices. Choose an RBI-compliant, legally documented collateral management system.
| Feature / Legal Compliance Metric | ⚡ ZTXEYE Enterprise DPC | ❌ Unregulated Screen Lockers |
|---|---|---|
| Legal Standing in Indian Courts | ✓ 100% Valid under Indian Contract Act | ✗ Not admissible (No legal agreement) |
| RBI Fair Lending & Grace Period Protocols | ✓ Automated 3-stage notice banners | ✗ Abrupt illegal locking without notice |
| Emergency 112 / Police Calling | ✓ Always unblocked for human safety | ✗ Blocked (Severe human rights violation) |
| Borrower Data Privacy (DPDP Act) | ✓ ZERO personal gallery/chat access | ✗ Spyware risks & unverified permissions |
| Google Play Protect Security | ✓ Whitelisted SHA-256 certificate | ✗ Flagged as malware & blocked by Google |
| Factory Reset Protection (Google FRP) | ✓ Enterprise FRP lock enabled | ✗ Easily bypassed via recovery menu |
| Autonomous Grace Period & Remote Auto-Lock | ✓ Automated Day 4+ lock after 3-day grace period | ✗ Manual tracking or erratic immediate locking |
| Polite Reminder Alerts & Zero Spam | ✓ Capped 3-4x/day; 100% silent on device enrollment | ✗ Constant spam popups irritating customers |
| EMI Ledger & Due Date Auto-Rollover | ✓ Instant tenure deduction & +1 month next due advance | ✗ No automated tracking (Manual registers) |
| Point-of-Sale A4 Agreement Print | ✓ Instant court-compliant A4 generation | ✗ None (Handwritten paper notes) |
Connect directly with verified ZTXEYE distributors in your state & district for instant license credit vouchers, retail enrollment onboarding, DPC setup, and dedicated on-ground merchant support.
Join India's fastest-growing fintech hardware collateral network. Distribute enterprise device management licenses across your state/district with exclusive wholesale margins, marketing collateral, and full technical training.
Connect directly with our corporate team for license provisioning, bulk dealer onboarding, and deployment assistance.
Official support channels for authorized retailers, distributors, and financial partners.
Have questions regarding RBI compliance, A4 loan agreements, or bulk credit pricing? Leave us a quick message.