Building the Future of
AI-Powered Businesses.
We build and scale intelligent SaaS platforms that automate, simplify, and transform businesses across multiple industries. Founded in 2021 with an AI SaaS vision to empower modern enterprises with robust technology.
Multi-Industry Technology Platforms
Powering mission-critical business workflows with native AI, custom database architectures, and continuous technological innovation.
Built for Scale. Designed for Growth.
Every platform in the Jatta M Kommerce ecosystem is engineered with native machine learning capabilities and custom scalable databases to ensure continuous operational growth.
One Vision. Multiple Powerful Platforms.
Different platforms. One mission — to simplify, automate, and scale businesses with AI. Built by Jatta M Kommerce.
WHATSAPP AUTOMATION
kratuchat.ai
AI-powered WhatsApp automation. Never lose a lead again with our automated Missed Call capture and Revenue Recovery systems, chatbot workflows, and team inbox.
AUTONOMOUS AGENTS
iamkratu.ai
AI-powered business automation platform that helps businesses generate leads, automate customer engagement, and scale operations with intelligent AI agents.
FINTECH & PAYMENTS
neomoneypay.com
Fintech infrastructure and payments platform bridging fiat and digital currency securely with global payouts and developer APIs.
AI LENDING & SCORING
handloan.ai
AI lending platform for instant credit decisions utilizing alternate-data modeling, instant approvals, and automated collections.
TRAVEL TECHNOLOGY
tripgalileo.com
Next-gen travel technology platform powering B2B agencies globally with unified flight and hotel inventories, dynamic pricing, and booking portals.
TRADING INTELLIGENCE
virtualbees.ai
AI-driven trading intelligence platform executing algorithmic strategies with predictive analytics and automated risk management.
Built around practical, scalable SaaS architecture.
Jatta M Kommerce develops SaaS platforms using custom scalable database architectures and a focus on AI-powered business solutions, scalable subscription models, and data sovereignty.
Custom Scalable Databases
High-throughput database architecture supporting JMK's SaaS platforms.
AI-First Technology
Native machine-learning capabilities built into JMK's product ecosystem.
Data Sovereignty
A focus on maintaining transparent control over business data and platform architecture.
Our 4-Step Transformation Framework
A structured methodology that takes businesses from operational bottlenecks to automated, scalable digital platforms.
Bottleneck Discovery
Auditing manual operational tasks, customer drop-off points, and payment or communication bottlenecks across your workflow.
AI Ecosystem Integration
Mapping relevant JMK platforms—from WhatsApp automation to payment gateways—directly into your existing operational stack.
Intelligent Automation
Deploying autonomous workflows, automated customer responses, and secure transactional pipelines with real-time analytics.
Exponential Scaling
Scaling transaction volumes effortlessly backed by custom, cost-effective database structures and continuous support.
Clean APIs. Straightforward Integration.
Connect your systems to our platforms using standard REST endpoints across cURL, Python, and Node.js.
# Dispatch Automated WhatsApp Notification via KratuChat
curl -X POST https://api.kratuchat.ai/v1/messages \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"to": "+919876543210",
"type": "template",
"template_name": "payment_confirmed",
"parameters": {
"amount": "₹4,999",
"invoice_id": "INV-2026-081"
}
}'Industries We Empower
Our AI technology and SaaS platforms are engineered to solve high-impact challenges across diverse market verticals.
Our Growth Journey (2021 – Present)
Founded in 2021 with an AI SaaS vision to build practical, scalable technology platforms that empower modern enterprises.
Founding & AI SaaS Vision
Jatta M Kommerce established with the goal of developing scalable AI technology and SaaS platforms across essential business verticals.
FinTech & Payment Solutions
Initiated development on NeoMoneyPay.com to deliver secure payment routing, merchant payment gateways, and automated payouts.
WhatsApp Automation & KratuChat
Launched KratuChat.ai, connecting organizations directly with official WhatsApp APIs for 24/7 customer engagement and automated lead flows.
Digital Lending & Workflow Automation
Expanded into digital lending scoring with HandLoan.ai and advanced business process automation through IAMKratu.ai.
Travel Technology & Market Intelligence
Introduced TripGalileo.com for B2B travel operations and VirtualBees.ai for trading data analysis and market intelligence.
Multi-Platform SaaS Ecosystem
A diversified portfolio of 6 operational platforms serving businesses across Fintech, Healthcare, Education, Real Estate, Travel, and Retail.
Our Core Principles
The foundational principles guiding our product development, engineering practices, and customer partnerships.
Continuously advancing AI capabilities, workflow automation, and product usability to meet real-world industry demands.
Engineering platforms that solve genuine operational bottlenecks and deliver measurable business acceleration.
Maintaining clear communication, transparent data handling practices, and predictable subscription structures.
Delivering responsive interfaces, high-speed API execution, and agile deployment timelines for partner companies.
Building robust database architectures and dependable transaction pipelines that businesses count on every day.
Upholding rigorous engineering standards across code quality, system uptime, and customer onboarding support.
Transparent SaaS Subscription Tiers
Designed to scale alongside your business. Direct platform access with straightforward, transparent models.
Starter
Ideal for growing businesses getting started with automated WhatsApp messaging, customer engagement, or standard payment flows.
- Access to selected platform features
- Standard API documentation & sandbox testing
- Integration guides for cURL, Python & Node.js
- Core analytics and activity reporting
- Standard email support
Business Growth
Engineered for expanding companies requiring multi-channel customer workflows, higher messaging limits, and integrated payment setups.
- Multi-platform integration capabilities
- Custom database structures for reliable scaling
- High-volume automated customer workflows
- Priority onboarding assistance
- Dedicated technical support channel
Enterprise Custom
Tailored architectural configurations, bespoke workflow engineering, and dedicated account management for large-scale operations.
- Dedicated platform configurations and databases
- Custom API workflows and ERP/CRM integrations
- Transparent data sovereignty and compliance support
- Dedicated technical account manager
- Direct enterprise support agreements
Frequently Asked Questions
Practical answers about our technology stack, platforms, and integration capabilities.
Ready to Accelerate with Intelligent Platforms?
Join forward-thinking businesses operating on reliable, custom-engineered technology. Connect with our team today to explore how our platforms can streamline your operations.