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Sapio Analytics · B2B Procurement · 2023 · Primary case study

TruMac —
Procurement Platform

It looked like e-commerce.
It ran like embedded finance.

TruMac credit
TruMac home
The problem

It looked like e-commerce.
It ran like procurement.

Construction merchants don't shop — they procure, on credit, against project timelines, in an industry that runs offline and on trust. Designing TruMac using consumer-commerce patterns produced a product that felt familiar and failed operationally.

The familiar surface

Familiar on the surface — by design.

The home screen used consumer-commerce patterns — search by HSU code, best-sellers, categories, brands — because adoption in an offline industry requires familiarity. The surface was deliberate. The machinery underneath it was not.

TruMac home

Home · best-sellers, categories, brand discovery

TruMac category

Category · plumbing, brand + size filters, Add+

Where it stops being retail

The cart is where the disguise drops.

Deliver-to pincodes. MRP versus net price. CGST and SGST broken out. Wholesale discount. Express delivery as a procurement choice, not a consumer treat. This is procurement accounting — not a consumer checkout.

TruMac cart — My Truck

My Truck · GST split, wholesale discount, delivery to pincode

Pincode deliveryMRP vs net priceCGST 9%SGST 9%52% wholesale discountExpress deliveryGrand total
Verification — the front door

Before credit can exist,
trust must be established.

TruMac's onboarding captures the GST document and the shop's photo — verifying the merchant is a real, registered, physical business. This isn't a settings page. It is the front door. Credit doesn't exist without it.

TruMac merchant verification — GST and shop photo

Merchant verification · GST document + shop photo capture

GST registration captureShop photo verificationProgressive stepsVerification before credit
The credit engine · the centerpiece

The credit system wasn't a feature.
It was the entire trust relationship.

Verification unlocks credit, and credit is the real product. A merchant sees their limit, allocates how much of a purchase to charge against TruMac credit via a slider, pays the balance, then repays the revolving line. The credit limit isn't a number — it's the platform's expressed judgment of the merchant's trustworthiness, earned through verification.

TruMac credit overview — 50000 remaining

Credit overview · available limit & repayment

TruMac credit payment — slider allocation

Credit allocation · choose amount via slider · proceed

The trust loop
Verify GST + shop
Assessment
Credit extended
Merchant orders
Goods delivered
Repayment
Limit restored
"The credit limit wasn't a number. It was the platform's expressed judgment of the merchant's trustworthiness — so it belonged before the order, not buried after it."
Growth, denominated in credit

Referrals that pay back into the trust economy.

Referrals don't pay cash — they pay credits: 1 referral = 100 credits. New merchants enter the same verification-and-credit loop that retains existing ones. Growth and product are the same system.

TruMac Refer & Earn

Refer & Earn · 1 referral = 100 credits · claimed coupon history

Design judgment

Familiarity on top.
Embedded finance underneath.

TruMac used a familiar commerce surface to win adoption, then used verification and credit to do what consumer e-commerce never could — extend trust to an informal industry that runs on relationships and cash.

Outcome

From a storefront to a credit relationship.

TruMac shipped as a mobile-native procurement platform combining product discovery, GST and shop verification, embedded credit, repayment, and a credit-based referral economy — bringing trust-based purchasing to an offline construction-materials industry.

Home

Discovery

Verification

Verification

Credit

Credit

Referral

Growth

Next projectARC