TransBnk

TransBnk is an open finance infrastructure platform delivering transaction banking solutions for corporates, banks, and financial institutions. The company provides API-driven tools for secure fund flows, compliance automation, and real-time financial operations across lending, payments, and treasury management.

Core Products & Services

Corporate Internet Banking (CIB) – Unified dashboard for payments, collections, liquidity management, and multi-bank reconciliation with embedded controls and audit trails

Escrow Hub – Automated escrow account creation, mandate management, fund releases, and RERA-compliant real estate transaction processing

Cash Management Services (CMS) – API-driven collections, payments, liquidity forecasting, and auto-reconciliation across multiple banks and payment rails

BBPS Bill Payments – Bharat Bill Payment System integration for seamless utility, telecom, and service bill collections with real-time confirmations

Digital Ledger Code – Virtual account management with allocations, deallocations, ledger statements, and admin configuration for complex fund tracking

Bank Account Validation – IMPS, VPA, Reverse Penny Drop validation with name matching for KYC and onboarding compliance

TRA Platform – Trade Receivables Discounting and supply chain finance workflow automation

Business Model & Revenue Streams

Transaction Banking SaaS Infrastructure Model – Modular API platform offered as opex-led middleware layer integrating with bank core systems; enables rapid deployment of digital transaction banking products without heavy custom development

SaaS Platform Licensing Fees – Annual/monthly subscriptions for CIB, Escrow Hub, CMS modules tiered by transaction volume and user seats

Transaction Processing Revenue – Per-transaction or volume-based fees for payments, collections, escrow movements, BBPS bill payments, and account validations

Implementation & Integration Revenue – One-time onboarding charges for API connectivity, bank core system middleware, and custom workflow configuration

Value-Added Compliance Revenue – Premium fees for RERA-compliant escrow, AML/KYC validation, and regulatory reporting automation

Embedded Finance Partnerships – Revenue sharing from bank-NBFC collaborations and lending ecosystem enablement through escrow/lending rails