Diametor is an AI-powered clearing engine and an automated Multilateral Debt Novation platform. We do not provide financial credit or loans; instead, we act as a peer-to-peer information intermediary utilizing graph theory to legally net and substitute circular debts out of the ecosystem. We use technology to restore the flow of money without requiring new cash to enter the system.

Yes. Diametor operates as a peer-to-peer (P2P) information intermediary. We facilitate the settlement of existing civil and social obligations via Multilateral Novation under Section 62 of the Indian Contract Act, 1872 and electronically executed under Indian IT Act 2000.

We do not act as a bank or an NBFC because we do not "lend" money; we simply provide the technology to balance accounts you already have.

When you and your contacts add debts and credits, our AI maps the connections like a giant web.. It looks for closed loops of 10, 100, or even 1,000 people.

Every 3 hours, the engine scans this web looking for paths:

• For standard debts: It searches for closed loops, where the money flows back around to the start, allowing the AI to clear everyone's balance simultaneously without needing any new cash.
• For bank or NBFC loans: It looks for much larger paths through inter- connected cycles, using the system's pooled liquidity to clear regular debts along the way and pay off your loan directly to your bank.

Once a path is found and verified, the admin Ai executes it, clearing everyone's balances at once.

A Handshake is our verification step. A debt or credit is only "Locked" into the AI engine after both parties (the debtor and the creditor) accept the entry in the app. This prevents fake claims and ensures 100% data integrity.

No, you cannot fake debts to make money. Even if you and a friend agree to create a fake debt handshake, the platform will completely ignore it.

Our AI graph engine processes deep network chains requiring minimum number of connected people to complete a cycle. Because you and your friend don't have a massive web of other real people who owe you money or whom you owe money to, the engine will instantly isolate your nodes. It is mathematically impossible to trigger a clearing cycle with fake, isolated loops.

Yes. Through our specialized Inter-Cycle Engine, you can onboard verified bank or NBFC loans by submitting a 20% platform fee. The engine maps your loan into high-density liquidity paths to clear ecosystem debts, resulting in the platform paying off your full loan principal directly to your lender via bank transfers.

Our transparent platform fee is calculated directly from your balance sheet: 10% of total balances you owe and 5% of balances owed to you. If you choose "Pay Now," you receive an immediate 12% discount on this calculation.

For Loan Closures, Diametor charges 20% Platform fee as It involves Interconnected Cycles.

If the engine cannot find a matching cycle, you don't lose anything. You have two flexible options depending on how you choose to handle your platform fees:

• Pay Later (Mandate): You can set up a secure automatic payment mandate through Razorpay. The platform will only charge you if and when your debts are successfully matched and legally novated. If no cycle is found, you are never billed.
• Pay Now (Prepaid): If you choose to pay upfront, you receive an instant 12% discount on your platform fee calculation. If the graph engine fails to match or clear your obligations within 90 consecutive days, your idle fee is automatically moved to a refund status and safely transferred back to your verified bank account via a manual security audit.

By starting with individual obligations and institutional loan closures, we are anchoring the system in clean, high-density networks under Section 62 of the Indian Contract Act. This allows our graph engine to safely scale under strict data integrity and admin-supervised controls.

However, this is just the foundation. Diametor will soon expand into Company Debts and Daily Payments. Integrating corporate structures and day-to-day retail transactions is where the "Velocity of Money" truly explodes. This step-by-step expansion ensures the mathematical engine stays 100% stable while we prepare the platform for global scalability.