NeoKred

NeoKred is a leading Indian fintech infrastructure company enabling businesses to seamlessly launch and scale financial products through its robust, API-driven platform. NeoKred serves clients across India with plans for global expansion into the GCC and African markets. Operating at the intersection of open banking, embedded finance and digital payments, NeoKred acts as a bridge between the trusted infrastructure of Indian banks and the agility of modern brands and enterprises.

product and services

• NeoBox (Bank-in-a-Box): Plug-and-play platform enabling businesses to launch prepaid cards, virtual bank accounts, wallets and BNPL services with minimal integration effort.

• Payment Solutions: Accept payments via cards, UPI, net banking and wallets; manage refunds, payouts and reward disbursements for seamless transactions.

• Digital KYC & Onboarding: AI-driven, secure, and compliant digital onboarding solutions for instant identity verification, KYB (Know Your Business) and user profile enrichment.

• Embedded Finance & Credit: Enable embedded lending, BNPL and credit facilities for end-users directly within partner platforms.

• Custom Card Programs: Issue and manage prepaid, health, attendance, or co-branded cards tailored for corporates, fintechs and non-financial brands.

• API Banking Infrastructure: Comprehensive API suite for banking integration, virtual account numbers, advanced payouts and real-time reporting

Business Model & Revenue Streams

NeoKred operates a B2B and B2B2C fintech infrastructure model with multiple monetization channels:

• Platform Subscription Fees: Recurring charges for access to the NeoBox platform and its suite of APIs, SDKs and compliance tools.

• Card Sale & Issuance Fees: Revenue from issuing and managing prepaid, debit, credit,and co-branded cards—including salary, student, EMI, and prepaid health cards.

• Transactional Income: Per-transaction fees on card swipes, wallet loads, payouts and embedded payments processed through the platform.

• Custom Integration & Setup Fees: Charges for bespoke SDK/API integrations, white-labeling and custom product development for enterprise clients.

• Subscription & Maintenance Fees: Ongoing support, maintenance and compliance management for live products and services.

• Revenue Sharing: Strategic partnerships and revenue-sharing agreements for co-branded card programs, embedded credit and BNPL solutions.

• Data & Analytics Services: Monetization of value-added services such as customer profile enrichment, consent management and risk underwriting powered by AI and machine learning.

Customer Segmentation

• B2B: Corporates, fintechs, startups and non-financial enterprises (e.g., healthcare, education, retail) seeking to offer financial products to their user base.

• B2B2C: Brands looking to embed banking, payments, or credit products directly into their customer experience.

Growth Strategy

• Market Expansion: Scaling from India to the GCC and Africa, with strategic partnerships and use-case localization for new markets.

• Product Innovation: Continuous development of new APIs and SDKs for emerging use cases (e.g., AI-powered KYC, embedded wealth management, digital insurance).

• Acquisitions & Partnerships: Acquiring complementary fintechs (e.g., PeSeva) and collaborating with banks, payment networks and technology providers.

• AI & Data-Driven Personalization: Leveraging AI and blockchain to enhance KYC, risk profiling and customer experience.

• Education & Enablement: Supporting non-financial brands in launching fintech products with minimal technical or regulatory friction.