FinTech Business Investment Opportunities

Integrated climate-finance platform combining regulated insurance distribution, climate-risk technology, and field-data intelligence for rural and agricultural markets across India. - Operates through three business verticals: insurance distribution, parametric insurance SaaS, and field survey execution services, creating diversified revenue streams without underwriting risk. - Facilitated ₹350+ crore in Gross Written Premium and sold over 250,000 insurance policies across crop, cattle, rural, and retail insurance segments. - Built a distribution network of 12,000+ trained rural PoSP agents, enabling deep market penetration and last-mile customer access. - Maintains partnerships with 21+ insurance companies, including leading private and public-sector insurers, and is actively deployed with a Tier-1 insurer customer. - Developed proprietary technology platforms including ClimateShield, a parametric insurance engine with automated trigger-based claim settlement capabilities, institutional dashboards, and API-driven integrations. - Owns a proprietary agricultural intelligence database built from more than 2 million field surveys and 19 lakh+ quality checks, creating a significant data advantage. - Successfully auto-settled 3,816 climate-related claims, demonstrating practical implementation of technology-driven insurance solutions. - Generates revenue through brokerage commissions, SaaS and API subscriptions, and field execution services, providing multiple recurring income streams. - Led by a founding team with over 60 years of combined experience across insurance, banking, financial services, and technology institutions. - Recognized through multiple industry awards and grants, including international fintech recognition and innovation-focused accolades. - Revenue generation is driven by proprietary technology, insurer partnerships, and a network of 12,000+ PoSP agents, enabling scale with a lean team of 50 employees. - The business has a valid GST and Incorporation certificate.

Malaysia’s first AI-driven financial literacy SaaS platform designed to simplify receipt scanning, income and expense tracking, and financial management for individuals, freelancers, students, and SMEs. - The platform is currently pre-revenue and in Phase 1 of its product roadmap, with the initial development completed. - The platform is built specifically for the Malaysian market, offering bilingual Bahasa Malaysia and English support, multi-language receipt processing, and a mobile-responsive web interface. - Key features include AI-powered receipt scanning, intelligent data extraction, income and expense tracking, claims reporting, financial dashboards, and data export capabilities. - Current efforts are focused on product validation through live demonstrations, user feedback, and participation in innovation and entrepreneurship competitions. - The company has already received early industry recognition, winning a Silver Award at the International Technopreneur Invention and Exhibition Conference (I-TIE), validating the platform’s innovation potential. - The commercial rollout follows a phased and realistic approach: * June: Product validation through live demonstrations, competition exposure, and user feedback during the DIGITEX Grand Final and I-TIE events. * July–August: Pilot onboarding of selected users, freelancers, students, and SMEs to test real-world usage, OCR accuracy, reporting functions, and claims workflows. * September: Soft launch in Malaysia for a broader user base, with paid subscription plans prepared for activation once platform stability and user traction are confirmed. * Q4: Targeted commencement of monetization through subscription plans, subject to user adoption, retention metrics, and payment readiness. - Beyond the current build, the company has Phase 2 and Phase 3 development milestones planned, focusing on expanding functionality, enhancing user experience, and strengthening the platform’s long-term scalability. - Additional funding or strategic support would enable the business to accelerate development, improve quality assurance processes, reduce bugs and errors, strengthen infrastructure, and bring the platform to full commercial readiness more efficiently. The company is also exploring Indonesia as a potential future expansion market through university-linked collaboration opportunities arising from I-TIE, including discussions connected to cooperation between Universiti Teknologi MARA (UiTM) and Universitas Negeri Yogyakarta. These discussions remain at an early stage. - While regional expansion opportunities are being assessed, the immediate priority is to validate the Malaysian market, establish a stable and commercially viable product, and then scale carefully into the broader ASEAN region. - The business is registered in Malaysia and has secured both SSM registration and copyright protection for its intellectual property.

We operate a fintech company in Indonesia that enables businesses to connect with financial distributors while facilitating flexible funding solutions for MSMEs outside traditional banking channels. - Currently, operations are in pilot stage and community-driven, managed through a structured WhatsApp group ecosystem, supported by Instagram community. At this stage, the website is not live, as the platform and application are still in development phase. - The business is legally registered (NIB in place), with all required documentation completed, and we are now strengthening compliance and administrative systems in preparation for launching our dedicated fintech website and mobile application. - As the company is currently in the pilot stage, it does not yet hold an OJK (Otoritas Jasa Keuangan) license. The company plans to apply for the required license once the platform is fully developed and ready for full-scale fintech operations. - Last year, we recorded a total Gross Transaction Value (GTV) of approximately IDR 300–400 million, demonstrating strong early-stage traction. - Revenue is generated through structured administrative and management fees, charging approximately 5%–8% commission on every successful capital disbursement cycle. This model produces consistent cash flow due to recurring and high-frequency transaction cycles. - Based on this GTV and fee structure, our gross earnings (revenue) last year were approximately IDR 24–32 million. - We currently serve around 300 active members/businesses across Indonesia. As we remain in the scaling phase, our primary focus has been on expanding the member base, strengthening operational systems, and improving compliance rather than maximizing margins. - The company plans to implement a referral-based program where members earn rewards for bringing new MSMEs to the platform, with top-performing promoters incentivized through high-value rewards such as cars and motorcycles funded from the administrative pool. - The owner is the sole permanent employee of the business. - The company also plans to implement a scalable, incentive-driven referral program that rewards top promoters with high-value prizes such as cars and motorcycles, funded from the administrative pool. This will be introduced once the platform scales and generates sufficient revenue. - Strategically, we position ourselves as a bridge for MSMEs seeking accessible, fast-turnaround funding through a transparent and community-powered financial ecosystem.

Based in Minneapolis, we are a licensed digital remittance company with operations across four U. S. states. - Our customer base includes about 5000 users who rely on our services for international money transfers. - We specialize in money transfers across countries like Ethiopia, Kenya, Uganda, Nigeria, Gambia, India, Pakistan, and Bangladesh. - Our user-friendly mobile app makes it easy for customers to send money quickly and securely. - We generate around $40,000 in revenue each month, mainly through transaction commissions. - Our business is supported by strong partnerships with multiple banks, ensuring reliability and trust. - We take pride in our fully in-house technology and infrastructure, which enhances our service quality. - Business has MTL licenses in 4 states, banking partnerships and agreements. - We hire consultants and freelancers as per requirements.

FinTech startup: Bengaluru-based early-stage B2B fintech venture specializing in technology infrastructure for digital investment and deposit products. - SDK and API platform: The business offers a developer-friendly Software Development Kit (SDK) and Application Programming Interface (API) that enables seamless integration of digital Fixed Deposit (FD) journeys into existing applications for fintechs, wealth platforms, banks, and non-banking financial companies (NBFCs). - Quick deployment: The platform enables partner institutions to launch ready-made digital Fixed Deposit (FD) solutions within approximately two weeks, significantly reducing time to market. Recurring Deposits (RDs) and other investment products are part of the product roadmap. - Revenue model: The startup generates revenue through: * Transaction-based revenue sharing with partner banks, NBFCs, or licensed intermediaries for FD distribution. * One-time setup fees charged to wealth management and fintech platforms for SDK and platform integration. * Ongoing monthly platform fees through minimum billing or SaaS-based agreements. - Early sales stage: Commercial operations commenced recently, with the company onboarding paying B2B customers and generating early-stage revenue. - Strong collaboration: The company has onboarded 2 B2B financial distribution/wealth platforms as clients, with 4 additional partnerships in advanced stages of discussion, and has integrated multiple banks and NBFCs on its platform. - Financial health: The company is fully bootstrapped with an initial investment of approximately INR 20 lakhs and has no outstanding debt, providing a strong foundation for planned seed-stage expansion. - Growth outlook: With a deposit-led entry strategy and a roadmap including RD, Mutual Funds, and Bonds, the company is focused on building a scalable multi-asset investment infrastructure platform. - Regulatory positioning: Operates purely as a B2B technology infrastructure provider. All financial products are issued and offered by regulated banks and NBFCs, while the company provides only the digital platform, SDKs, and technology layer, without requiring separate regulatory licenses.

The business will be operating as a compliance-first B2B fintech platform enabling cross-border payments, invoicing, escrow, treasury, and corporate cards. - Structured with a regulated holding and operating company framework designed for multi-jurisdiction financial services from inception. - The business is headquartered in Abu Dhabi and also holds a U. S. registration certificate. - We are planning to launch the business next month in the market. - Revenue model is designed around transaction fees, FX and conversion spreads, subscription fees, card issuance fees, and yield-based revenue. - Platform supports both fiat and stablecoin (USDC/USDT) settlement with automated conversion, reconciliation, and reporting. - Core capabilities include programmable invoicing, escrow-based payment flows, corporate cards, treasury management, and tokenization-ready workflows. - Although the owner has a U. S. phone number, they will remain fully available throughout the transaction process.

The business is a payment services startup located in Hyderabad, aiming to build an innovative card-based payment aggregator platform. - We will generate revenue by charging commissions from merchants for payments. We will also act as an aggregator for money lending businesses and we will charge commission from them as well. - We will get an RBI license going forward and will register the company as a private limited entity. - We are not just seeking capital; we are looking for a genuine, transparent association and partnership focused on mutual growth. Ideal investors shall possess: • Payments system expertise: A comprehensive understanding of how payment systems work, including the intricacies of card-based transactions, digital payments, and regulatory landscapes. • Corporate financial management experience: Proven experience in managing corporate finances through various growth phases and developing strategies for sustainable business growth within the financial sector. • Strategic vision: The ability to contribute to the strategic direction of the company, leveraging your industry insights to help us navigate challenges and capitalize on opportunities. The current promoter expertise: Our promoter brings a wealth of experience and a unique perspective to this venture, having 16 years of experience, including as a software engineer and startup founder, with the past 2 - 3 years dedicated to a (published) literary work/sci-fi book project. • High-level payments system design: End-to-end expertise in designing secure and efficient payment systems. • P2P secure digital communications: Hands-on experience in developing secure digital communication channels. • IT infrastructure administration: Practical knowledge of managing robust IT infrastructures critical for financial operations. • Corporate banking & third-party collaboration: Extensive working relationships with prominent corporate banking teams and third-party service providers, offering invaluable industry connections. • Adaptive & forward-thinking approach: Aligned with "build while you learn" policy, recognizing the dynamic nature of financial and banking systems and the need to adapt quickly to evolving RBI guidelines.

FinTech-focused loan facilitation company connecting customers with banks offering business and home loans at competitive interest rates. - Acts as an intermediary between banks/NBFCs and borrowers, supporting sourcing, coordination, and deal closure. - Holds an NBFC license, providing regulatory credibility and flexibility within the lending ecosystem. - Operates with a lean structure and a small core team of 2 employees. - Revenue is earned through commissions and facilitation fees received from banks upon successful loan tie-ups. - The business is currently non-operational and is not generating any revenue at this time.

• Product-first fintech company building a new interaction layer for payments focused on proximity-based, intent-driven money movement. • Core offering is a proximity-first payment experience where users send and receive money simply by being near each other, without QR codes or manual app navigation. • Enables peer-to-peer payments through phone tap, AirDrop-style nearby discovery, contact search, and voice commands with biometric authentication. • Payments surface contextually via lock screen prompts, spotlight-style search, tap interactions, and voice, making transactions feel invisible and effortless. • Supports scheduled and recurring payments triggered through on-device AI assistants based on user intent. • Merchant solution allows any smartphone or compact terminal to act as a proximity-enabled checkout point, eliminating queues and QR scanning. • Merchant tools include a lightweight dashboard and optional Pro features for team management, analytics, and operational control. • Built with privacy-first proximity discovery, biometric authentication, tokenization, and end-to-end encryption for secure transactions. • Designed for cross-platform use on iOS and Android, creating a universal proximity payment network. • Revenue model based on commissions earned from peer-to-peer and merchant transaction settlements. • Positioned as an “ambient OS for money, ” where payments occur naturally when intent is expressed. • Integrates with existing payment rails such as UPI, card networks, and banking systems via licensed Banking-as-a-Service partners. • Company registered with the MCA.

Early-stage fintech startup developing a UPI-based digital payments application. - Product designed to enable seamless, cashless, and card-free transactions for users. - Received NPCI approval, providing a key regulatory milestone and strong credibility. - Platform currently under development with a planned launch timeline of approximately one year. - Focused on simplifying everyday digital payments through a user-friendly interface. - Pre-revenue stage with product and technology build in progress. - Operated by a small in-house team handling development and execution. - Asset-light setup with no tangible assets. - Holds essential incorporation documentation as part of intangible assets.

UAE-based smart, transparent and tech-driven investment platform operating since 11 years, connecting private investors with high-potential, asset-backed business opportunities. - Strong promoter background with 11+ years in investment management, business incubation and venture growth across global markets. - Community of 158+ private investors and an active portfolio of 39+ businesses across logistics, robotics, manufacturing, container leasing, fintech and other asset-backed sectors. - Revenue model combines profit-sharing, equity participation and operational income from real assets, offering diversified and transparent returns. - Global presence across UAE, India, Malaysia, USA, Australia, Canada and Europe supported by long-term partnerships with founders and enterprises. - Team of 37 professionals across investment analysis, project management, finance, marketing and operations. - Operates with a valid business registration certificate.

Dual-platform fintech with a consumer (P2P micro-funding) and capital (SMB funding marketplace). - The MVP is complete with Plaid and Stripe integrations. - The company operates on a platform fee model and is building early partnerships with MCA (merchant cash advance) providers and data partners.