Finsire

Finsire is a cutting-edge fintech company operating in India’s rapidly evolving digital financial infrastructure sector a space that is part of the broader $500+ billion financial services industry. Their unique approach centers around asset-based underwriting allowing individuals to access credit based not on how much they earn, but on what they own. Finsire’s primary customer segment includes banks, NBFCs, fintech platforms and consumer-facing digital businesses looking to offer financial services like loans, insurance and buy-now-pay-later (BNPL) products. 

Core Products and Services

• Asset Infrastructure API: At the core of what Finsire does is its Asset Infrastructure API. Think of it like plumbing for financial products. This API connects with various digital and physical assets and builds a real-time asset profile for each user.
• Asset-Backed Underwriting: Finsire’s tech is also enabling smarter underwriting. Using AI-driven algorithms and asset data, their system helps lenders assess risk more holistically. This kind of asset-backed underwriting is especially useful in India, where many people might not have traditional paperwork but do own valuable assets.

• Multi-Asset Pledging System: Their multi-asset pledging system. Through this, users can pledge different types of assets digital gold, investments, electronic items or even inventory—as collateral to get loans. 

Business Model & Revenue Streams

• B2B Infrastructure-as-a-Service: Finsire makes most of its money through its Infrastructure-as-a-Service model. They charge financial institutions and fintechs who use their APIs to power their own asset-backed lending or risk-assessment tools. 
• Per-API Usage & Volume-Based Fees: Their pricing is usually volume-based or on a per-API-call basis. As more transactions flow through Finsire’s backend, their revenue scales up. This makes it a high-margin, low-latency business. 
• Strategic Partnerships & White Labelling: Finsire also partners with NBFCs and digital lenders to co-create lending products. In some cases, they even offer white-labeled solutions, where a fintech firm can roll out asset-backed loans under their own brand. 
• Data Monetisation: With strict user consent and privacy frameworks in place, Finsire can also generate insights from anonymized asset data, which is valuable for financial product innovation. This is still an emerging part of their model, but it’s got strong monetization potential.