TL Pay app under Byju's is a paperless way for processing credit applications in an assisted manner. This app will be invite only. The invite will be sent by BYJU'S counsellors to the customers. Once the customer installs the application, they will be taken through an easy way of applying for credit that will aid in purchasing BYJU'S products. All the data collected in the application are taken with the consent of the customer and will be used in processing the credit. Complete lifecycle of the credit journey will be managed within the app.