Decentro

Decentro is a leading API banking and financial infrastructure platform powering seamless integrations for regulated entities, fintechs, NBFCs, and enterprises. The company’s mission is to eliminate the friction of legacy banking integrations by offering modular APIs and SDKs for payments, KYC, account creation, cards, lending, and more—enabling clients to launch financial products up to 10x faster than industry norms.

Core Products and Services

• API Banking Suite: Modular APIs for payments (collections, payouts, UPI, global FX), KYC/KYB, account creation, virtual accounts and escrow management.

• AI-Powered Risk & Collections: Scanner a real-time user profiling and risk assessment for BFSI and e-commerce. Neobot a multilingual AI voice agent automating debt collections, targeting India’s NPA challenge.

• Payment Aggregation: End-to-end payment gateway and aggregator services, including reconciliation-ready enterprise payouts and recurring payments.

• Custom Solutions & Consultancy: Tailored integrations, compliance advisory, and workflow automation for regulated entities.

Key milestones

• 2020: Accepted into Y Combinator’s S20 batch and launched first marketplace customer.

• 2022: Raised $4.7M Series A, processed $5B+ in annual transactions and scaled to 1,200+ enterprise clients.

• 2024–2025: Achieved profitability, launched AI-powered modules (Scanner and Neobot) and secured ₹30 crore ($3.5M) in Series B funding led by InfoEdge Ventures.

Business Model & Revenue Streams

• API Usage Fees: Recurring revenue from pay-as-you-go or tiered pricing models for API calls (payments, KYC, onboarding, etc.).

• Subscription Plans: Monthly/annual SaaS fees for access to premium modules, analytics and enterprise support.

• Custom Integrations & Consulting: Project-based revenue from bespoke solutions and compliance advisory.

• Geographic Mix: India is the primary market, with growing operations in Singapore and Southeast Asia.

Customer Segmentation

• B2B (100%): Banks, NBFCs, fintechs, digital lenders, e-commerce, and large enterprises.

Top Clients & Partnerships

• Enterprise Clients: Dhan, Muthoot Finance, Cars24, CASHe, BharatPe, MakeMyTrip, MoneyTap, AU Small Finance Bank and 1,300+ others.

• Banking & NBFC Partners: Deep integrations with leading Indian banks and NBFCs for real-time payments, KYC and lending workflows.

• Strategic Investors: InfoEdge Ventures, Stargazer Growth, Uncorrelated Ventures, Rapyd Ventures, Leonis VC and prominent Indian fintech founders.

• Risk Diversification: Broad enterprise base across BFSI, e-commerce and fintech minimizes client concentration risk; no single customer accounts for a dominant share of revenue.

Future Outlook & Strategic Priorities

• Product Innovation: Continued rollout of AI-driven modules (risk, collections), cross-border payments and regulatory tech.

• Market Expansion: Deepening presence in India, Southeast Asia, and global fintech hubs; “reverse flip” to India to align with IPO ambitions and regulatory clarity.

• Enterprise Penetration: Focus on large BFSI and e-commerce clients, with tailored solutions for high-volume, mission-critical workflows.