Blostem

Blostem is a fintech company transforming digital investment and banking infrastructure for financial institutions and digital platforms across India. The company specializes in providing a plug-and-play technology stack that enables rapid deployment of investment products—such as fixed deposits, mutual funds, digital gold and bonds—through seamless API and SDK integrations.

Core Products and Services

• No-Code Deposit Stack: Empowers digital platforms to launch fixed deposit products instantly, with full compliance and documentation handled by Blostem.

• Investment Product Aggregation: Offers a broad suite of financial products—FDs, mutual funds, digital gold, bonds—integrated via robust APIs and SDKs for seamless partner deployment.

• Embedded Finance Solutions: Enables B2B2C partners to embed investment and lending products directly into their user journeys, supporting both asset origination and secured lending.

• White-Label & Customization: Provides white-label solutions and customizable interfaces, allowing partners to align the platform with their brand identity and user experience.

• Compliance & Security: Handles all regulatory, compliance and data security requirements, leveraging blockchain for privacy and traceability.

Business Model & Revenue Streams

• Revenue Generation: Blostem operates a B2B and B2B2C model, earning revenue through integration fees, platform usage charges, origination fees from asset issuers and spreads from lenders for providing collateral.

• Revenue Mix: In FY24, over 95% of revenue was generated from product sales and platform fees, with the remainder from integration and origination services.

Top Clients & Partnerships

• Suryoday Small Finance Bank: Strategic partnership to digitize and distribute fixed deposits, with a goal to capture over 50% of India’s digital FD business in two years.

• Bajaj Finance: Integration of Bajaj Finance’s FD products into Blostem’s platform, expanding investment options for B2B partners.

• MobiKwik: Holds a 6.79% stake in Blostem, reflecting deep collaboration and alignment in the B2B fintech ecosystem.

• Mahindra Finance: Recognized Blostem as a prominent partner for FY24, highlighting its growing influence in the financial infrastructure space.

• Other Partners: Multiple banks, NBFCs and digital platforms leveraging Blostem’s APIs for rapid product deployment and distribution.

• Risk & Diversification: Revenue is diversified across a broad base of financial institutions and digital platforms, reducing client concentration risk and supporting sustainable growth.

Future Outlook & Strategic Priorities

• Product Innovation: Expand offerings in no-code banking infrastructure and embedded finance, with a focus on rapid product deployment and compliance automation.

• Market Expansion: Target a 50% share of India’s digital fixed deposit (FD) market within two years by deepening partnerships with banks, NBFCs and super apps.

• Technology Investment: Invest in AI, machine learning and blockchain to enhance platform capabilities, security, and regulatory compliance.

• Client Diversification: Broaden the partner base across financial institutions and digital platforms to reduce concentration risk and support sustainable growth.

• Operational Scale: Strengthen capital allocation toward technology, partner onboarding and expanding reach across all major digital platforms in India.