BLOCKCHAIN INDIA CHALLENGE 2026

Samādhāna

Sanskrit: "Resolution" or "Settlement"

Permissioned blockchain solution for instant MSME payments in public procurement via NBF Lite & Digital Rupee.

contact@samadhaana.in
7.16 Cr+
Registered MSMEs
30.1%
India's GVA
<45 Days
Target Settlement
e₹
CBDC Powered
THE CHALLENGE

The Delayed Payment Crisis

Despite MSMED Act mandates, MSMEs face payment delays averaging 60–90 days beyond the statutory 45-day limit, causing severe working capital stress.

Reactive Monitoring

Existing systems depend on complaint filing rather than proactive tracking.

Fragmented Data

No unified digital trail connecting procurement events to payment execution.

Current Payment PipelineOFFLINE
Invoice SubmissionDay 1
Goods VerificationDay 15
Dept. Approval ProcessDay 45+
Payment SettlementDay 90-120
THE PROTOCOL

How Samādhāna Works

Automated compliance system leveraging permissioned blockchain & programmable CBDC.

Immutable Ledger

POs, Invoices, and Goods Receipt Notes are hashed on NBF Lite, creating a tamper-proof single source of truth.

Smart Contracts

Automated validation logic triggers payment instructions immediately upon verified goods acceptance.

Programmable CBDC

Atomic settlement via Digital Rupee (e₹) ensures instant transfer of funds to MSME wallets.

BUILT ON

Hyperledger Fabric
NBF Lite
Digital Rupee (e₹)
TReDS
ARCHITECTURE

System Flow

01

PO Created

02

Invoice Submit

03

Goods Verify

04

Auto Trigger

05

Settlement

ROADMAP

Development Phases

PHASE 01

Proof of Concept

  • Deploy Hyperledger Fabric on NBF Lite
  • Core Smart Contract Development
  • Mock CBDC API Integration
PHASE 02

Pilot Deployment

  • Partner with State Government
  • Live E-Procurement Integration
  • Onboard MSME Suppliers
PHASE 03

Scaled Deployment

  • Production NBF Infrastructure
  • Live CBDC Integration
  • TReDS Interoperability