Posts about fintech. ← All posts
5K+ loans per month. Three credit bureaus. Multiple payment gateways. The thing that has to be right is the ledger. Notes on what invariants the database enforces vs what the application enforces.
Every one of the 26 RBI FREE-AI recommendations, mapped to a specific file in a working multi-agent platform. What's ✅ done, what's 🟡 partial, what's ⚪ honest gap.
UPI, IMPS, NEFT, RTGS — which rail to use depends on amount, urgency, window, success-rate history. A deterministic chooser with a HITL gate above ₹2 lakh.
PAN check-digit validation, Aadhaar offline KYC, DigiLocker, PEP/sanctions — all in Go code, not in a prompt. The LLM's job is to translate the verdict into something a human can read.
UPI is the most popular payment rail in India. The spec is precise. The implementation guides are not. Notes on the integration details that ate weeks the first time.
Two KYC pathways an Indian fintech has to support. The Master Direction (Video KYC, etc.) and Aadhaar Offline KYC. Different speeds, different evidence requirements, different audit shapes.