Krim

Company

We make AI provable enough to run a bank.

Krim is a technology research, product and services company. We make one thing: KrimOS, the operating system for banking and lending.

The thesis

The institutions that move the world’s money and serve its citizens could never run on AI they couldn’t prove, or risk what left their walls. So the most consequential work stayed manual: too important to automate, too costly to leave alone.

Krim made proof the runtime, every action validated before it can execute, and kept the whole system inside the perimeter, where the data already lives. With those two settled, the machines can finally act. And because they act on a single record, the system learns the operation and compounds with every action it takes.

Validated before it acts · Smarter after it acts · Never leaves your walls

The name

Judgment, made checkable.

Our validator is Krim-Nyāya. It draws on Navya-Nyāya, the formal-logic tradition of Mithila, two thousand years of rigorous reasoning about what follows from what.

Substance, not mysticism. It gives us a precise grammar for turning a regulation into a check a machine can run, and a decision into something an auditor can read.

A two-thousand-year discipline of formal logic, put to work as the runtime that decides whether an action is allowed to happen at all.

Navya-Nyāya · Mithila → Krim-Nyāya

Team

The people behind the proof.

Deep experience deploying AI in India’s largest BFIs.

Vishwa Nath Jha

Founder & CEO

16 years as an AI researcher, educator and entrepreneur. Previously founder of Saarthi.ai (2017–2025), India’s largest voice AI platform for banks and financial institutions.

Founding engineering team

Om Mishra

Sr. FDE · GNIOT

Nachiketa Jha

Sr. FDE · Heidelberg

Nakshatra Kanchan

FDE · IIT Patna

Mohit Singh

FDE · IIT Patna

Devansh Jindal

FDE · IIT Patna

Divyansh Gupta

FDE · IIT Patna

Advisory board

Deepak Maheshwari

fmr CFO, SBI Cards

R. Shyam Shyamsunder

fmr MD Investments, Temasek

Sanjay Thakur

EVP, Kotak Mahindra Bank

Rudra Mishra

fmr DGM, ICICI Bank

Srinivas Gopal

fmr Spotify advisor

Recognition & programmes

Recognised by DPIIT — Startup IndiaMember of NVIDIA InceptionIncubated at STPI

Markets

Different jurisdictions, one runtime.

Each market’s rules are encoded in the runtime, so the same system runs in every jurisdiction we serve, and only what it enforces changes.

See the proof for yourself.

Talk to us about a pilot, or write to sales@krim.ai.