[ { "id": 827, "name": "Razorpay", "slug": "razorpay", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "website": "https://razorpay.com", "all_locations": "Bengaluru, KA, India", "long_description": "The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses.\r\n\r\nOver the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. \r\n\r\nRazorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. \r\n\r\nBe it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience.\r\n\r\nOver the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. \r\n\r\nRazorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform.\r\n\r\nAll these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money. \r\n\r\n", "one_liner": "India's only full-stack financial solutions company for businesses.", "team_size": 2700, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1416309883, "tags": [ "Banking as a Service", "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": true, "isHiring": true, "nonprofit": false, "batch": "Winter 2015", "status": "Active", "industries": [ "Fintech", "Payments" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)I met Shashank during our time at IIT Roorkee, and our collaboration began there. We worked on numerous projects together, fueled by our shared passion for coding. In fact, many of the codes we wrote during our college days are still the backbone of Razorpay's operations today. Our bond extended beyond academics; we were instrumental in founding SDS Labs, the software development section of our alma mater. After graduation, our paths diverged geographically, with Shashank moving to the USA to join Microsoft, while I ventured to the Middle East to work with Schlumberger. Despite the distance, our friendship remained strong, and we continued to collaborate on various side projects.One pivotal moment came in 2014 when we embarked on a crowdsourcing platform project to collect online donations for a cause. However, we encountered significant hurdles with existing payment gateway systems. This experience opened our eyes to the challenges faced by Indian businesses, particularly Startups and small businesses, in accepting payments online.Determined to address this gap, we decided to establish Razorpay, driven by a mission to democratize payments for startups and SMEs. Armed with research and fueled by our passion for solving real-world problems, we set out to create a platform that offers simple, affordable, and secure payment solutions.For us, perseverance has been a way of life. We are relentless in our pursuit of identifying and solving the financial challenges faced by small businesses. Whether it's rain or shine, we push through obstacles until we find viable solutions. This resilience has been the cornerstone of Razorpay's growth, propelling us from 10,000 partner businesses in 2017 to over 5 million today." }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "(Attributed to Harshil Mathur, CEO & CoFounder of Razorpay)Long before we applied to YC, Shashank and I had been fans. Hacker News was our go-to source for information on building startups, and a few months after we started working on Razorpay, we saw an announcement on Hacker News about the YC application period opening up.At that point, Razorpay hadn't launched and we weren't remotely confident about getting in. The YC application process is pretty thorough; there are tough questions that force you to be crystal clear about who you are as a company. Things like how will you differentiate yourself from the competition; how will you acquire market share; how big is your market, and how big will you be in a few years from now? All of those are important questions to discuss internally, and so at a minimum, we thought applying would help us zero in on succinct, precise answers to give both of us clarity, even if we didn't get in.But thankfully our efforts paid off, and we did make the cut. When Shashank Kumar and I found out in late 2014 we'd been accepted into Y Combinator, we figured we'd need to split our time between running Razorpay in Bangalore and joining our fellow founders in Silicon Valley. It was only a few months after we had launched Razorpay and we were afraid of abandoning our customers, even for a bit, just as we were getting off the ground. Ignoring that temptation and spending the full three months of YC in Mountain View was one of the best decisions we ever made.It was a good call to stay in US and not fly back and forth to India, because if we had, we'd have missed out on the full benefit of YC — spending valuable time with the other founders in our batch, meeting successful alumni and building relationships throughout the YC community, and getting mentored by YC partners and other investors.Now, 9 years later, we couldn't be more proud to be [YC's first Indian unicorn](https://techcrunch.com/2020/10/11/razorpay-100-million-billion-valuation-unicorn/). I can honestly say that although we had to work harder during those three months than at any other time in my life, with countless 20-hour days attending YC sessions and dinners and then working late nights supporting our customers in India, I wouldn't change a thing. That's why the best advice I can give to any Indian founder considering YC is to go all in on it the same way we did. The priceless, irreplaceable learning happens when you least expect it — during a late-night drink with another founder in your batch, maybe, or in a spur-of-the-moment meeting with a YC partner. You can't say you'll do 60% or 80% of the YC program, because you can't know where 60% or 80% of YC's advantage is. So figure out how to get 100% of the benefit of it; it'll be hard, and exhausting, definitely, but you will never regret it." }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "In 2014, after discovering the dismal state of online payments in India Harshil and Shashank founded Razorpay, **India’s first payment gateway built for Startups** a platform for a simple, affordable, and secure way for businesses to accept payments online. Progressing in the journey that started with payment acceptance, the company also witnessed a progressive acceptance and adoption of digital innovations. But what was surprising was while the big payment players in the market were catering to large businesses, smaller businesses needed immediate attention. In India, **MSMEs are the second largest employment-generating sector after agriculture and contribute around 31% to the nation’s GDP**. One of the major challenges for SMEs & Startups was the lack of technology infrastructure, especially for B2B payment technologies. There was a need for a comprehensive converged payment and banking solution that can help manage the entire money movement (from acceptance to disbursals) within an organisation. This particular thought gave birth to the launch of **Razorpay’s neo-banking platform, RazorpayX, and lending platform Razorpay Capital.** The company now offers a single platform for businesses to manage the entire money flow within an organization. Eight years to now, **Razorpay evolved from being a payment gateway to India’s first full-stack financial solutions company providing intelligent new-age payment and business banking solutions** to help Indian businesses address the entire length and breadth of their payment & banking journey. The company believes that for the next phase of growth in the fintech industry, payment players need to **evolve beyond offering solutions for payment acceptance to managing the entire money flow (from acceptance to disbursements and everything in between). Hence, it is of supreme importance to recognize a market (SMEs & Startups)**, identify challenges, and provide a holistic solution, at scale." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "**Razorpay is committed to building the central nervous system of digital India.** The company aims to change how payments and banking are done for small businesses in India and wants to create a benchmark for the entire world to follow. Razorpay today is India’s leading and first full-stack financial solutions company that offers both payments and banking solutions for businesses on a single platform.  The founding team always wanted to build a platform like this because of the single goal **- to help businesses spend less time managing compliance and operations and more time creating new products, pursuing new ideas, and thinking about how to scale. The company’s vision continues to produce new idea and innovation that benefits millions of businesses even today.** Overall, the company wants to help make India economically more inclusive and is making strides toward that goal. Razorpay believes It’s an exciting time of change and is creating history. Digitization is the lifeblood of any business. It impacts EVERYTHING a business does - from cash flow & hiring to credit, investment & expansion. Businesses can no longer think of digitization as an afterthought! The digital payments landscape has multiplied over the last decade. India has globally positioned itself as a benchmark in digital payments owing to its resilient payment infrastructure, market practices, and proliferation of digital payments across various segments. The adoption of digital payments in the MSME space has unlocked several efficiencies that have driven end-to-end transformation in how small businesses conduct their operations. **India today is amongst the fastest growing Fintech markets in the world**, being the 3rd largest FinTech ecosystem, India has the highest Fintech adoption rate globally (87%). **Razorpay also believes & foresees Indian fintech as the default service provider for the world that can make a difference by bringing customized digital solutions for customers beyond the geographies clubbed with best-in-class fintech technologies.**" } ], "url": "https://www.ycombinator.com/companies/razorpay", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/razorpay.json", "year_founded": 2014, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/razorpay/", "x_url": "https://twitter.com/razorpay", "fb_url": "https://facebook.com/razorpay", "cb_url": "https://www.crunchbase.com/organization/razorpay", "github_url": "https://github.com/razorpay", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b6a6aaf9a84fa4b7ddb53cabda7443c142a5a154.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/d0542247c32aa7d285a58ea7c30e930677376536.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/74cc0eb93855c18a52ffa4468facbd5d5a49f51c.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2139, "full_name": "Harshil Mathur", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/harshil-mathur/69/23a/127", "x_url": "https://twitter.com/harshilmathur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b49464f5e793b8f6bd7b9bf571489df67252ac91.jpg" }, { "user_id": 7125, "full_name": "Shashank Kumar", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "http://www.linkedin.com/in/kumarshashank", "x_url": "https://twitter.com/shashank_kr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4bb41b492aebd9a1fb569c8e80c597ef82941171.jpg" } ], "jobs": [ { "id": 77, "title": "Senior / Principal Engineers", "url": "https://www.ycombinator.com/companies/razorpay/jobs/GQiEGb6ug-senior-principal-engineers", "location": "bangalore", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 6516, "title": "Senior Infrastructure Engineer", "url": "https://www.ycombinator.com/companies/razorpay/jobs/zUemCTA1N-senior-infrastructure-engineer", "location": "Bengaluru", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 16046, "title": "Senior/Principal Engineer/Manager, Frontend Engineering", "url": "https://www.ycombinator.com/companies/razorpay/jobs/Xpdifpfmk-senior-principal-engineer-manager-frontend-engineering", "location": "Bangalore, Karnataka", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "React", "React Native" ] } ], "news": [ { "title": "et startup of the year razorpay: ET Startup Awards 2022: Razorpay wins Startup of the Year award - The Economic Times", "url": "https://economictimes.indiatimes.com/tech/startups/et-startup-awards-2022-razorpay-wins-startup-of-the-year-award/articleshow/95185680.cms", "date": "Nov 07, 2022" }, { "title": "Razorpay Helps FinTech HostBooks Raise $3M | PYMNTS.com", "url": "https://www.pymnts.com/news/investment-tracker/2022/razorpay-helps-fintech-hostbooks-raise-3m/", "date": "Jun 10, 2022" }, { "title": "YC-backed Indian fintech unicorn enters SEA", "url": "https://www.techinasia.com/ycbacked-fintech-unicorn-razorpay-enters-sea", "date": "Feb 08, 2022" }, { "title": "Indian fintech giant Razorpay valued at $7.5 billion in $375 million funding – TechCrunch", "url": "https://techcrunch.com/2021/12/19/indian-fintech-giant-razorpay-valued-at-7-5-billion-in-375-million-funding/", "date": "Dec 19, 2021" }, { "title": "India’s Razorpay launches faster checkout feature, tops $60 billion TPV – TechCrunch", "url": "https://techcrunch.com/2021/12/08/india-razorpay-launches-faster-checkout-feature-tops-60-billion-tpv/", "date": "Dec 08, 2021" } ], "launches": [] }, { "id": 932, "name": "RedCarpetUp", "slug": "redcarpetup", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/183f0ec3e40c4ede1e9890d348891e13b1af9608.png", "website": "http://redcarpetup.com", "all_locations": "Gurugram, HR, India; Remote", "long_description": "RedCarpet issues credit cards to those that banks cannot see. Currently we are one of the largest issuers of credit lines to the new-to-credit customer in India.\r\nIn a population base of 800 million people with bank accounts, there are less than 40 million credit cards. \r\nBy building a fullstack SDK for card issuance, underwriting as well as holding capital & collection ops, we are looking to build the Capital One of India.\r\n", "one_liner": "Credit cards for Indians that banks cannot see", "team_size": 100, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1430156129, "tags": [ "Fintech", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2015", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/redcarpetup", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2015/redcarpetup.json", "year_founded": null, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/redcarpetup-com/about/", "x_url": "https://twitter.com/redcarpetup", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/redcarpetup", "github_url": "https://github.com/RedCarpetUp", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/183f0ec3e40c4ede1e9890d348891e13b1af9608.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 82821, "full_name": "Kartik Venkataraman", "title": "Founder", "founder_bio": "Tech Entrepreneur | YC Founder (S15) | IIT-D & UIUC", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kartikvenkataraman1", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e6a8284cc4819ba8106611d1e5bbac6848029d27.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1052, "name": "GoLorry", "slug": "golorry", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/40376bae8f7c53265c200ad111505e5a76251905.png", "website": "http://www.golorry.com", "all_locations": "Hyderabad, Telangana, India", "long_description": "GoLorry offers transport and logistics services to its clients. 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Currently, I am CEO and Founder of Landeed with focus on building India's (later for the developing world) fastest and most comprehensive property title search engine.", "is_active": true, "linkedin_url": "https://www.linkedin.com/pub/sanjay-mandava/24/6aa/206", "x_url": "https://twitter.com/mandava_sanjay", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bd9c5dc6c65fb1885725a0ccba7fda256b061715.jpg" }, { "user_id": 117814, "full_name": "ZJ Lin", "title": "Founder", "founder_bio": "Co-founder and CPO of GoLorry (YC W16): 2015 - 2022\nCo-founder and CPO of Landeed (YC W22): 2022 - present", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/zjlin/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/408b589d73d3fd0cdffa184d5592c64e23da55ee.jpg" }, { "user_id": 117813, "full_name": "J Richards", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jonathan-richards-26259bb6/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a283374f298717aae60f288d7876e8532be913ce.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1341, "name": "Innov8", "slug": "innov8", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/70e85c5b6755f0cbabfe164e07441fcafcfab9de.png", "website": "http://www.innov8.work", "all_locations": "New Delhi, DL, India", "long_description": "Innov8 Coworking is a Y- Combinator backed workspaces and community startup based in India. We provide Premium workspaces (Managed Private Offices and Coworking Spaces).\r\nInnov8 Coworking is the first of its kind Thought space in India. We encourage community engagement of like-minded individuals from any space, whether they are founders, investors, freelancers, creators or just want to work in a highly productive zone. 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Enjoy building cool stuff.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ghoshsanat/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4eb9267bb6a683254ca8770448357861a2080b73.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1704, "name": "NextDrop", "slug": "nextdrop", "former_names": [ "NextDrop Technologies" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/67360132b1680f560e9b085055d4bff122269265.png", "website": "https://thenextdrop.com/", "all_locations": "Bengaluru, KA, India", "long_description": "NextDrop is a for-profit enterprise with a social mission- we want to rid the world of its water problems. It’s not a big deal. We think it can be done. And what we’ve managed to achieve so far only reaffirms our belief. \r\n\r\nNextDrop was founded in 2011 with a pilot in Hubli-Dharwad district of Karnataka. 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We work towards providing the highest standards of living for young professionals and saving them from woes of house hunt. We wish to provide a space for them where they can flourish. \r\n\r\nFounded by Saurabh Kumar & Sanchal Ranjan where they are fascinated about formation of communities around both living and working spaces in a country like India for the last 15 years of their educational and corporate lifetimes and now fostering India's first physical social network via co-living.\r\n\r\nJoin us on our journey of excited times ahead.\r\n\r\nVisit us at www.ziffyhomes.com or follow our progress on:\r\n\r\nFacebook: https://www.facebook.com/ziffyhomes/\r\nTwitter: https://twitter.com/ZiffyHomes\r\nInstagram: https://www.instagram.com/ziffyhomes/", "one_liner": "ZiffyHomes is managed corporate housing for white collar employees in…", "team_size": 57, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Housing and Real Estate", "launched_at": 1525748782, "tags": [ "Real Estate", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2018", "status": "Active", "industries": [ "Real Estate and Construction", "Housing and Real Estate" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ziffyhomes", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2018/ziffyhomes.json", "year_founded": 2016, "city": "Gurugram", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/ziffyhomes", "x_url": "https://twitter.com/ziffyhomes", "fb_url": "https://www.facebook.com/ziffyhomes/", "cb_url": "https://www.crunchbase.com/organization/ziffy-homes", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7dd61e2b44bb90e6f9b4169365ff16e3a68009d4.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 247319, "full_name": "Sanchal Ranjan", "title": "Founder/CEO", "founder_bio": "Hi there, feel free to reach out for any product-related feedback, etc. ", "is_active": false, "linkedin_url": "https://linkedin.com/in/sanchal", "x_url": "https://x.com/sanchalr", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/312316df08ac17de3f55836f6dce447a78b3dbfd.jpg" }, { "user_id": 252374, "full_name": "Saurabh Kumar", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://linkedin.com/in/saurabhksinha", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c82eb4ef83e9aa6e40d536be605b869719b4adab.jpg" } ], "jobs": [ { "id": 47961, "title": "Founding Team - Rust and Substrate Engineer", "url": "https://www.ycombinator.com/companies/ziffyhomes/jobs/AvhSIVO-founding-team-rust-and-substrate-engineer", "location": "Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$150K", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "C++", "Rust", "Software Architecture", "Blockchain", "Solidity" ] } ], "news": [], "launches": [] }, { "id": 2032, "name": "OkCredit", "slug": "okcredit", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/319d958d1c1ed34dab6fa69de4c65c566d82fcc8.png", "website": "https://www.okcredit.in", "all_locations": "Bengaluru, KA, India", "long_description": "Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! \r\n\r\nThe 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper!\r\n\r\nOKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. 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We've built a 150+ member organization from scratch - I own engineering architecture and delivery, business operations, and the systems that keep a company of that scale running.\nI joined BYJU'S as its first product manager, and grew to Senior Director of Product & Innovation - bringing Content, Te", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shankar-ram-a-79613454/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/61b062e7491aecf1518c932e2adf5a0b0f29a41b.jpg" }, { "user_id": 342131, "full_name": "Avinash Anand", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/avinash-anand-32503655", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1f0e7030cd329b0a466a5f3871d4180eabc254d6.jpg" }, { "user_id": 335059, "full_name": "Aanand Srinivas", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aanand-srinivas-b5024918/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dc842dfca397a8cd48c2e7611fb2f27db95ba29c.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13350, "name": "TagMango", "slug": "tagmango", "former_names": [ "TagMango Private Limited" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/83927ef9957ba6a2aac4a859cd38eec8ef4fde7b.png", "website": "https://www.tagmango.com", "all_locations": "Kolkata, WB, India", "long_description": "TagMango is building a SAAS tool to enable edutainment creators create monetisation channels by creating paid and scalable communities. 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Recently, launched Mesh API, AI infra behind our consumer product powering mils of users; one control panel for better performance, visibility & governance. \n\nCo-founder of TagMango (YC W20) - helping creators and coaches launch a digital business, Shopify for digital products. Currently, 5000+ creators earn over $100M+ annually on TagMango; profitable.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mohammadhasan7/", "x_url": "https://x.com/_mohammadhasan7", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e77f26195cf72b3bae56be633e4ab1dba087097f.jpg" }, { "user_id": 319735, "full_name": "Divyanshu Damani", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/divyanshudamani/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c00f1c66cf33a110794a6bfb3db75507d553c412.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13389, "name": "EduRev", "slug": "edurev", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1e6a86b48fb942874f774cbfcbb5cfdeaaef5cb9.png", "website": "http://edurev.in", "all_locations": "Chandigarh, CH, India; CH, India", "long_description": "EduRev is like a Netflix for Education with a layer of social networking. We want to make the process of education and learning so good that you (and your kids) don’t feel the need to go to a school/college/coaching. EduRev stands for Education Revolution and we are looking to achieve nothing less. \r\n\r\nEduRev has over 7 million students and adds around 10 new users each minute. We are backed by the iconic American VC Y Combinator, Artiman Ventures and even angel investors like Anand Chandrashekaran, Austen Allred, Martin Basiri to name a few. \r\n\r\nWe won the Best App award (for learning) by Google, mBillionth award by Bill and Melinda Gates, and even won Startup of the Year by TieCon.\r\n\r\nAndroid App: https://play.google.com/store/apps/details?id=com.edurev\r\nWebsite: http://edurev.in/\r\niOS App (beta): https://apps.apple.com/in/app/edurev/id1529835494", "one_liner": "Learning App for 400M Indian Students like a Netflix for Education", "team_size": 24, "industry": "Education", "subindustry": "Education", "launched_at": 1584158280, "tags": [ "Education", "eLearning", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Education" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/edurev", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/edurev.json", "year_founded": null, "city": "Chandigarh", "country": "IN", "linkedin_url": "https://in.linkedin.com/company/edurev", "x_url": "https://twitter.com/edurevin", "fb_url": "https://www.facebook.com/TheEducationRevolution", "cb_url": "https://www.crunchbase.com/organization/edurev", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1e6a86b48fb942874f774cbfcbb5cfdeaaef5cb9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 332080, "full_name": "Hardik Dhamija", "title": "Founder", "founder_bio": "Co-Founder & COO: EduRev", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hardik-dhamija-25bb4044/", "x_url": "https://twitter.com/h_dhamija", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/60e5419a7a3f7e45737644f70e0d6545e6d5092d.jpg" }, { "user_id": 335012, "full_name": "Kunaal Satija", "title": "Founder", "founder_bio": "Founder, CEO at EduRev ", "is_active": true, "linkedin_url": "https://in.linkedin.com/in/kunaalsatija", "x_url": "https://twitter.com/kunaalsatija", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f0ebf7345e6b867fac98c94575388c8c977abc75.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 13391, "name": "Spenny", "slug": "spenny", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5eab8ce312ccd084d88910aa9abc81700929490.png", "website": "http://spennyapp.com", "all_locations": "Bengaluru, KA, India", "long_description": "Spenny is the Acorns for India. Every time a user make any digital transaction, we round off the amount to the nearest 10 INR and invest it for them into a diversified portfolio, automatically.\r\n\r\n400M millennials in India don't invest because they don't have enough time, knowledge or access to large capital. With Spenny, they just connect the card and invest every time they spend.\r\n\r\nWe're growing 67% WoW since launch, with 3,000+ users and $15,000 in AUM. Indians put $500Bn into their bank accounts annually. We charge 1.75% of the AUM for investments. That's a direct ~$9Bn market in India alone.\r\n\r\nPotentially every time a user makes a transaction, we make money. And in that sense, the timing for Spenny couldn't have been better: 1 Trillion+ transactions are expected in 2021 because of factors like Whatsapp launching its P2P payments in India for its 400M users. And the emergence of UPI means every Indian has a virtual bank account now. \r\n\r\nMore interesting revenue models develop from the transaction data insights of our users. We analyse the rich data to A) up-sell more financial products like insurance etc., and B) create brand loyalty programs & partnerships.\r\n\r\nWe acquire customers at minimal CAC by bank partnerships. We leverage the banks' existing users, by integrating with their mobile app. In turn, we invest into their mutual funds.\r\n\r\nOur long-term vision is to become a one-stop asset management solution for millennials.", "one_liner": "Acorns for India. Every time you swipe you make a digital…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Consumer Finance", "launched_at": 1584158431, "tags": [ "Fintech", "India", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2020", "status": "Active", "industries": [ "Fintech", "Consumer Finance" ], "regions": [ "India", "South Asia" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/spenny", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2020/spenny.json", "year_founded": null, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/spenny/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c5eab8ce312ccd084d88910aa9abc81700929490.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 349069, "full_name": "Gaurav Arora", "title": "Founder", "founder_bio": "Founder of spenny, scaled to 500,000 users and exited. 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We also provide users with a credit card secured by their investments. \r\n\r\nWe launched with money market funds and have ~40,000 customers who’ve invested (~40% MoM growth). The pandemic spurred interest among new investors, and our AUM has grown 3x since April 2020. And we’ve done this with a cost of acquisition that is 10% of the industry average. \r\n\r\nHere’s the problem we see. Only 10% of the 100 million middle-income Indian workers have invested in the markets. This is despite the fact that they save ~30% of their income, making this a $325B potential market in assets under management. \r\n\r\nHowever, current investment apps in India are built for active investors. With over 16,000+ mutual funds and 5000+ stocks to choose from, they are far too complicated for beginners, who make up most of the market.\r\n\r\nWe’re building an AI - driven investment planning software that is designed for beginners. Users use our conversational AI to get diversified mutual fund portfolios tailored to their goals. We also offer users a credit card secured by their investments, so they can earn return without losing liquidity.\r\n\r\nIn terms of business model, we make commissions on the asset we manage, and interchange fees on the fund. 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This matching technology is faster than Tinder and more accurate than eHarmony / Shaadi.com.", "one_liner": "India’s first and only marriage super app", "team_size": 25, "industry": "Consumer", "subindustry": "Consumer -> Social", "launched_at": 1610552730, "tags": [ "Dating", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Consumer", "Social" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/betterhalf", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/betterhalf.json", "year_founded": 2016, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/betterhalf", "x_url": "https://twitter.com/betterhalfai", "fb_url": "https://www.facebook.com/BetterHalfai", "cb_url": "https://www.crunchbase.com/organization/betterhalf", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cef9597b14ed6c2ccca297255b6622fd1a48448d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [], "jobs": [ { "id": 47083, "title": "Senior React Native Engineer", "url": "https://www.ycombinator.com/companies/betterhalf/jobs/MeczNZi-senior-react-native-engineer", "location": "Bangalore India", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$20K - $50K", "equity_range": "0.50%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "React", "React Native" ] }, { "id": 56693, "title": "Senior Technical Growth Product Manager/ Growth Hacker", "url": "https://www.ycombinator.com/companies/betterhalf/jobs/2IVL0FS-senior-technical-growth-product-manager-growth-hacker", "location": "Bengaluru, KA, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$35K - $50K", "equity_range": "0.10% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Matrimony Startup Betterhalf Secures $8.5 Mn In Funding", "url": "https://inc42.com/buzz/matrimony-startup-betterhalf-secures-8-5-mn-funding/", "date": "Mar 01, 2023" } ], "launches": [] }, { "id": 25654, "name": "IMT Care", "slug": "imt-care", "former_names": [ "InsureMyTeam" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/936b51144e116571d48d13ab044962f1333b9482.png", "website": "https://www.imt.care", "all_locations": "MH, India", "long_description": "India’s insurance market is filled with bygone products, which do not cater to 95% of the market's demand for specific products such as illness-specific insurance, primary care with insurance, and surgical insurance to name a few. \r\n\r\nWe, at IMT, aim to target this white space by creating innovative products that fulfill this new demand by empowering the agents. Agents are the largest insurance distribution channel in India and cover 85% of the premium collection. \r\n\r\nAgents collect 20B premium every year. With a 5% take rate, it’s a 1B dollar market opportunity growing at 22% CAGR.\r\n\r\nKunal has 15+ years of experience working with insurance companies and building agent networks, while he scaled his brokerage business to 3M dollars in revenue. 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", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rachit-puri/", "x_url": "https://twitter.com/raecha06", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/26b4a7838652e6d7a1aa9f554f9b0902117de421.jpg" }, { "user_id": 863176, "full_name": "Kunal Popat", "title": "Founder", "founder_bio": "I have worked as CEO of a successful insurance broking company for more than 5 years in my previous assignment . I loved the role but was excited about innovating through technology and spread health care and insurance deeply within the country . This motivated us to start www.insuremyteam.com along with my cofounder ,Rachit Puri. We are on an fun filled journey to make healthcare accessible and affordable to millions of employees and thier families . Thanks. 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Backend developer.", "is_active": true, "linkedin_url": "https://in.linkedin.com/in/tamanjit", "x_url": "https://twitter.com/tamanjitbindra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/026884a5cb11c7625411ba4173ffc46924e19a08.jpg" }, { "user_id": 330452, "full_name": "Gaurav Shrishrimal", "title": "Founder", "founder_bio": "2nd time Founder\nLooks after Growth & Marketing at Kaagaz\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gauravshrishrimal/", "x_url": "https://twitter.com/1992gaurav", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/948aee94697f05618a6035aa70d9ce708be95a8e.jpg" } ], "jobs": [], "news": [ { "title": "Our favorite startups from YC’s Winter 2022 Demo Day, part 1 – TechCrunch", "url": "https://techcrunch.com/2022/03/29/our-favorite-startups-from-ycs-winter-2022-demo-day-part-1/", "date": "Mar 29, 2022" }, { "title": "Kaagaz Bags Funding From Y Combinator, Reaches 10 Mn Downloads | IndianWeb2.com", "url": "https://www.indianweb2.com/2022/02/kaagaz-bags-funding-from-y-combinator.html", "date": "Feb 03, 2022" }, { "title": "CamScanner Alternative Kaagaz Scanner Is the Latest ‘Indian’ App in the Spotlight | NDTV Gadgets 360", "url": "https://gadgets.ndtv.com/apps/features/camscanner-alternative-kaagaz-scanner-app-team-downloads-features-2277017", "date": "Jan 06, 2022" }, { "title": "Kaagaz Scanner: How Three Indian Friends Built An App For The Paperless Generation", "url": "https://www.indiatimes.com/technology/news/kaagaz-scanner-made-in-india-app-541915.html", "date": "Jun 03, 2021" }, { "title": "[The Turning Point] How Kaagaz Scanner capitalised on the Chinese app ban after five years of hustle", "url": "https://yourstory.com/2021/01/turning-point-made-in-india-kaagaz-scanner-chinese-app-ban/amp", "date": "Jan 15, 2021" } ], "launches": [] }, { "id": 25694, "name": "PayCrunch", "slug": "paycrunch", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "website": "https://paycrunch.in", "all_locations": "Bengaluru, KA, India", "long_description": "More than 150 million people in India are not able to access formal Credits in India either because of lack of financial data or low credit scores. 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", "one_liner": "Credit Card for college students based on UPI.", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Credit and Lending", "launched_at": 1642415941, "tags": [ "Fintech", "Payments", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Credit and Lending" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/paycrunch", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/paycrunch.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/paycrunch", "x_url": "", "fb_url": null, "cb_url": null, "github_url": "https://github.com/PayCrunch-team", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/875f70726bf714e04e2c65653e8ccf92d8beb470.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 435410, "full_name": "Aman Bhayana", "title": "Founder", "founder_bio": "Hey! I am Aman. Currently building a Fin-tech company to make credits accessible and fun for the upcoming Gen. \n", "is_active": true, "linkedin_url": "http://linkedin.com/in/aman-bhayana-bab9ab164", "x_url": " https://twitter.com/BhayanaAman", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b345a84b9782d8910bdb3c351c727904bf11e412.jpg" } ], "jobs": [], "news": [ { "title": "Fintech entrepreneur | Aman Bhayana | PayCrunch | Global Indian", "url": "https://www.globalindian.com/youth/story/global-indian-exclusive/how-fintech-entrepreneur-aman-bhayana-helped-students-avert-a-paycrunch/", "date": "Mar 29, 2022" }, { "title": "Why this fintech startup launched India’s first UPI-based credit line for college students", "url": "https://yourstory.com/2022/02/y-combinator-backed-fintech-startup-paycrunch-teenagers-students/amp", "date": "Feb 16, 2022" } ], "launches": [] }, { "id": 26108, "name": "GoSats", "slug": "gosats", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6ef13c2cf09acf6a7b852519447061cd749bdf8.png", "website": "https://gosats.io", "all_locations": "Dubai, Dubai, United Arab Emirates; Bengaluru, KA, India", "long_description": "GoSats is a bitcoin rewards app. We help people accumulate free bitcoin as cashbacks and rewards every time they shop in India.", "one_liner": "GoSats helps you earn free bitcoin when you shop in India.", "team_size": 8, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1644855955, "tags": [ "E-commerce", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech" ], "regions": [ "United Arab Emirates", "India", "Middle East and North Africa", "South Asia", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/gosats", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/gosats.json", "year_founded": 2021, "city": "Dubai", "country": "AE", "linkedin_url": "https://www.linkedin.com/company/gosats", "x_url": "https://twitter.com/gosatsapp", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/gosats", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e6ef13c2cf09acf6a7b852519447061cd749bdf8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 437411, "full_name": "Mohammed Roshan", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mohammed-roshan-25391a43/", "x_url": "https://twitter.com/roshanaslam21", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/20ad8493e3c1a671e684d4aab9f2b88da6b621c5.jpg" }, { "user_id": 861257, "full_name": "Roshni Aslam", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/roshni-aslam-b46a88130/", "x_url": "https://twitter.com/withRoshniAslam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8f5b1d8f4ee835297c04ce187b1d3fd9161b97bd.jpg" } ], "jobs": [ { "id": 82165, "title": "VP, Growth", "url": "https://www.ycombinator.com/companies/gosats/jobs/T7bqOf1-vp-growth", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "₹3.5M - ₹5.5M INR", "equity_range": "0.10% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Growth design", "Marketing design" ] }, { "id": 92589, "title": "Principal Officer", "url": "https://www.ycombinator.com/companies/gosats/jobs/6I7WwsO-principal-officer", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Mumbai, MH, IN / Mumbai, Maharashtra, IN / Remote (Bengaluru, KA, IN; Bengaluru, Karnataka, IN; Mumbai, MH, IN; Mumbai, Maharashtra, IN; DL, IN; Delhi, IN; New Delhi, DL, IN; New Delhi, Delhi, IN)", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "₹2.5M - ₹4M INR", "equity_range": "0.15% - 0.30%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 93238, "title": "Senior Software Engineer (Full-Stack)", "url": "https://www.ycombinator.com/companies/gosats/jobs/aXAUAOB-senior-software-engineer-full-stack", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "₹1 INR", "equity_range": "0.02% - 0.08%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Kubernetes", "Node.js", "Python", "React Native", "Microservices", "Serverless" ] }, { "id": 93240, "title": "Senior Product Manager - Cards & Payments", "url": "https://www.ycombinator.com/companies/gosats/jobs/0TZL6W7-senior-product-manager-cards-payments", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 93243, "title": "Product Manager - AI / Product Intelligence", "url": "https://www.ycombinator.com/companies/gosats/jobs/fR7kQlK-product-manager-ai-product-intelligence", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1 INR", "equity_range": "0.05% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93244, "title": "Backend Engineer (SDE 2)", "url": "https://www.ycombinator.com/companies/gosats/jobs/E7MCpgX-backend-engineer-sde-2", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93248, "title": "Business Intelligence Engineer", "url": "https://www.ycombinator.com/companies/gosats/jobs/5UXdQu9-business-intelligence-engineer", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 95384, "title": "VP, Credit Card Partnerships", "url": "https://www.ycombinator.com/companies/gosats/jobs/2J9Q2h0-vp-credit-card-partnerships", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Remote (IN)", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "₹1 INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103471, "title": "Head of Revenue & Monetisation", "url": "https://www.ycombinator.com/companies/gosats/jobs/4WiQml6-head-of-revenue-monetisation", "location": "Bengaluru, KA, IN / Bengaluru, Karnataka, IN / IN", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "₹4.5M - ₹7.5M INR", "equity_range": "0.02% - 0.09%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "GoSats Bags Funding To Make Consumers Earn More Cashbacks", "url": "https://inc42.com/buzz/bitcoin-reward-app-gosats-bags-funding-to-make-consumers-earn-more-cashbacks/", "date": "May 31, 2022" }, { "title": "Bitcoin rewards platform GoSats receives Y Combinator backing", "url": "https://www.freepressjournal.in/business/bitcoin-rewards-platform-gosats-receives-y-combinator-backing", "date": "Feb 26, 2022" }, { "title": "Bitcoin rewards platform GoSats receives Y Combinator backing", "url": "https://ibsintelligence.com/ibsi-news/bitcoin-rewards-platform-gosats-receives-y-combinator-backing/", "date": "Feb 24, 2022" }, { "title": "[Tech50] This startup helps you win Bitcoin rewards when you use Swiggy, Bigbasket, Flipkart, Amazon, Myntra", "url": "https://yourstory.com/2021/11/tech50-startup-gosats-bitcoin-rewards-crypto-startup-swiggy-flipkart-amazon-myntra/amp", "date": "Nov 28, 2021" }, { "title": "Bitcoin rewards company GoSats raises $700,000 in seed funding", "url": "https://www.livemint.com/companies/start-ups/bitcoin-rewards-company-gosats-raises-700-000-in-seed-funding-11628064005908.html", "date": "Aug 04, 2021" } ], "launches": [] }, { "id": 29100, "name": "CheqUPI", "slug": "chequpi", "former_names": [ "Terrafin Solutions Pvt Ltd" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "website": "https://www.cheq.money", "all_locations": "Bengaluru, KA, India; San Francisco, CA, USA", "long_description": "Cheq is a modern UPI payments app for NRIs and international citizens visiting India. \r\nUsing Cheq, you can pay digitally at over 55mn+ merchants across India. \r\nWe help tourists avoid ATMs and minimize their foreign exchange costs while in India.\r\n\r\n\r\n", "one_liner": "India's first UPI wallet for foreign nationals and NRIs", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1690215615, "tags": [ "Fintech", "Payments", "India", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech" ], "regions": [ "India", "United States of America", "South Asia", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/chequpi", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/chequpi.json", "year_founded": 2021, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/cheq-it/", "x_url": "https://twitter.com/cheqit_", "fb_url": "https://instagram.com/cheqit_", "cb_url": "https://www.crunchbase.com/organization/cheq-money", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a843f9faa1181a347ed222e5101c43bcf320c8d8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 267716, "full_name": "Sudhanshu Shekhar", "title": "Founder", "founder_bio": "Building Cheq UPI - A better payments app for foreign nationals and NRIs visiting India.\n\nPrevious work experience: Ispirt, Zeta, Headout, Walmart", "is_active": true, "linkedin_url": "https://linkedin.com/in/sudshekhar02", "x_url": "https://twitter.com/sudshekhar02", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ce41d08bd1f25e97db6131c543b0cc452940bc99.jpg" }, { "user_id": 513391, "full_name": "Manish Shukla", "title": "Founder", "founder_bio": "Building Cheq UPI to enhance the digital payment experience of foreign nationals and NRIs\n\nPrevious experience: Zeta, Ispirt ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mkshukla", "x_url": "https://twitter.com/mani__shukla", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/86497d951933f5eb478ffee2d0a23b7f49fd5413.jpg" } ], "jobs": [], "news": [ { "title": "Foreign tourists go cashless in India: Cheq in partnership with Transcorp issues UPI wallets to users from 8 nationalities, ET TravelWorld", "url": "https://travel.economictimes.indiatimes.com/news/technology/foreign-tourists-go-cashless-in-india-cheq-in-partnership-with-transcorp-issues-upi-wallets-to-users-from-8-nationalities/99107922", "date": "Mar 31, 2023" }, { "title": "Cheq Launches India's First UPI-enabled Payment Wallet for Foreign Tourists | Zee Business", "url": "https://www.zeebiz.com/agencies/cheq-launches-indias-first-upi-enabled-payment-wallet-for-foreign-tourists-223058", "date": "Feb 22, 2023" } ], "launches": [ { "id": 73875, "title": "Cheq UPI: Digital payments for NRIs and foreigners in India", "tagline": "Cheq is India's 1st UPI payment app for international citizens and NRIs", "body": "Hi everyone!\n\nCheq is a UPI payment wallet for Non-Resident Indians (NRIs) and foreign citizens visiting India.\n\nUsing Cheq, you can purchase almost any goods/services across India 🇮🇳. \\\nJust scan the merchant QR code / choose the pay by UPI id option to make the purchase. We accept all international debit/credit cards and support international phone numbers.\n\n### Foreigners Struggle to make payments in India\n\nMost foreigners visiting India will invariably face one of the below problems👇\n\n1. Indian merchant not accepting your international credit card\n2. Indian merchants not tendering exact loose change (you’ll collect lots of candies!)\n3. Unavailability of ATMs/money changers at remote locations\n\n### Indian Expats struggle to make payments in India\n\n1. Enabling UPI on an international number doesn’t work.\n2. Linking NRE/NRO accounts to UPI does not work\n3. NRE/NRO accounts are linked to the customer’s (often deactivated) Indian phone number.\n\nMore than **10mn+** **international citizens** visiting India each year regularly **face issues in making payments**!\n\n### Cheq UPI lets foreigners pay digitally in India 🇮🇳\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/4bd562de-f083-45f2-aa36-84e50bd3beb6)\n\n1. Cheq provides NRIs/Tourists with a digital UPI wallet that can be used to purchase goods/services across 55mn+ merchants across India\n2. Users can add money to their Cheq wallet anytime, anywhere via their international debit/credit card 💳\n3. Purchasing INR through Cheq is much cheaper than exchanging currency at the airport. We strive to serve you for less.\n4. Having Cheq, lets you travel throughout India cashlessly. Your bank card details remain safe from ATM fraud and clone attacks.\n\n### People from 16 different nationalities are already using Cheq UPI\n\n[Meet our customers](https://www.youtube.com/watch?v=4Ct5WY9vOz4)\n\n[Renatha, from Brazil, goes cashless in India](https://www.youtube.com/shorts/L_w7OWK-Uqo)\n\n[Leo loves Cheq UPI](https://www.youtube.com/watch?v=LgI7HJTH8Uw&t=1s)\n\nNote: Cheq accounts can only be activated after the customer finishes in-person passport verification in India. We provide at-home verification facilities in more than 22 cities across India.\n\n### Pricing\n\nWe charge a one-time joining fee of Rs 800 (10$) to every customer. This covers the cost of verifying your profile and running our business.\n\n### Meet the team\n\nWe are [@Manish Shukla](https://www.linkedin.com/in/mkshukla/) and [@Sudhanshu Shekhar,](https://www.linkedin.com/in/sudshekhar02/) the co-founders of [@CheqUPI](https://www.chequpi.com). Both of us are passionate about finance and technology and we’ve known each other for 12 years now.\n\nHaving lived the life of an expat abroad, we’re empathetic to the problems being faced by them in the Indian market. Our goal with Cheq is to make life a little easier for every traveler visiting India.\n\n![uploaded image](/media/?type=post&id=73875&key=user_uploads/267716/c174b7e2-8d6c-43e5-8a06-658a93da2e82)\n\n### Can you help us grow? 🙏\n\n1. We just launched today on Product Hunt! If you actively use PH, please drop us an upvote 🙂 \\\n \n2. If you know any companies/startups frequently sending travelers to India, please put me in touch with their founders/representatives. We’ll provide them with the best fintech experience in India ✨ \\\n ( reach me at sudhanshu@[cheq.money](http://cheq.money) )\n3. If you’re traveling to India, [Download our app](https://link-to.app/chequpiwebsite)\n\nIf you have any questions/feedback on the services offered by Cheq, please don’t hesitate to reach out!\n\nThank you\n\n### Connect with us👇\n\n1. Cheq:\n 1. Product link: \n 2. Website: \n2. Founders\n 1. Sudhanshu - \n 2. Manish - ", "url": "https://www.ycombinator.com/launches/JDX-cheq-upi-digital-payments-for-nris-and-foreigners-in-india", "votes": 22, "created_at": "2023-08-07T18:38:34.759Z" } ] } ]