Buildd

Buildd is a Pune-based embedded finance infrastructure startup that empowers businesses to launch and scale financial products rapidly through its Banking-as-a-Service (BaaS) platform. Buildd serves fintechs, SaaS enterprises, D2C aggregators, and B2B e-commerce platforms. Operates primarily in the Indian market, with a focus on enabling seamless financial product integration for non-financial businesses.  For investors and researchers, Buildd represents a high-growth opportunity in fintech infrastructure, with a clear path to profitability and expansion into underserved sectors.

Core Products & Services

• Embedded Finance APIs: Plug-and-play APIs for virtual cards, deposit accounts, credit lines, BNPL (Buy Now, Pay Later), B2B payments, KYC/AML compliance, and escrow services.

• BaaS Sandbox Platform: A developer-friendly environment to design, test, and deploy financial products in under 48 hours.

• White-Label Solutions: Customizable financial products like credit cards (card-as-a-service) and treasury management tools.

• Serverless Tech Stack: Built on AWS for scalability, security, and real-time reconciliation.

Unique Value Proposition

• End-to-End Infrastructure: Manages compliance, security, bank/NBFC partnerships, underwriting, and front-end services (onboarding, disbursals, collections).

• Proprietary Scoring Engine: Uses alternate data for lending decisions, offering predictive analytics and portfolio management for lenders.

• Revenue Positive from Launch: Achieved an annual run rate (ARR) of $1 million within a year of operation, targeting $2 million ARR in 24 months.

Business Model & Revenue Streams

Buildd operates on a B2B SaaS model, monetizing its embedded finance infrastructure through:

• Transaction Fees: A percentage of the value processed through its platform (e.g., BNPL, B2B payments).

• Subscription Model: Monthly charges for API-as-a-service access.

• White-Label Product Fees: Revenue from customized solutions like card-as-a-service.

Customer Segmentation

• Fintechs: Startups needing rapid product launches.

• SaaS & E-commerce Platforms: Businesses integrating financial services (e.g., BNPL).

• Enterprises: Corporates requiring custom B2B payment solutions.

Growth Strategy

• Product Innovation: Expanding into BNPL, card-as-a-service, and hedging APIs.

• Partnerships: Deepening ties with banks, NBFCs, and global tech providers.

• Market Expansion: Targeting non-fintech sectors (e.g., logistics, healthcare).

• Data Utilization: Leveraging transaction meta-data to refine scoring models and create new revenue lines.