Decentro

decentro

Hey Hackers, Decentro has been nominated in HackerNoon's annual Startup of the Year awards in Singapore. Please vote for us here: https://hackernoon.com/startups/asia/asia-singapore-singapore Read more about us below to understand why we deserve your vote. Are you also participating in SOTY 2023? If so, click here to fill out this interview. Meet Decentro Your full-stack platform which allows users to select the desired modules, play in the sandbox and launch the product using and SDKs in days and weeks. APIs Our offerings, ranging from KYC and Onboarding, Payments, Card issuance, and much more, have relentlessly empowered ~ 500 companies across FinTech and Banking space across India and Singapore. We have also created our unique brand value through a collaborative approach of enabling the fintech ecosystem from the ground up. Case in point, we have partnered with some top banks, such as Yes Bank and ICICI Bank in India, to enable seamless API connectivity and a swift money flow. The simple plug-and-play APIs and SDKs allow the users to witness the potential of a frictionless flow of money and financial data in a simple format with the highest degree of automation. The resolve remains the same. Let’s Make Fintech Great Again! How We're Disrupting/Improving the Banking and Payments Industry? We are in an era where one-tap payments compete fiercely against one-click payments, making this space the poster child of innovation. Yet, in the larger scheme of things, the Banking system operates on a traditionally sluggish process. This obsolete banking integration system hampers a company’s ability to launch its product. This leaves room for innovators to redefine how banks and financial institutions launch their products. We at Decentro aspire to be one of those platforms built to be a bridge of efficiency. A bridge that simultaneously enables legacy institutions and businesses to operate in the ecosystem. With Decentro, one can sign up as a company/developer. They can then select the desired financial modules, play in the sandbox, and launch the product or service with APIs and SDKs within a few weeks. The payoff? These companies can save significant time in banking integration and focus on faster go-to-market strategies. Over the past 12 months, our Annual Recurring Revenue has grown an astounding 4X since the summer of 2022. Our total number of customers has tripled, demonstrating the increasing demand for our innovative solutions. We wanted to be the enablers of the inevitable digital-first future. Two years in, our products continue to do that. Standing Out from The Crowd “Think in decades, and not in years.” To quote our who has over 10 years of experience in the payments and banking ecosystem, has allowed  a pandemic-incepted organization to stay ahead of the curve. Founder and CEO Rohit Taneja, Until now, we at Decentro have been solving dedicated use cases. The need to solve for a complete user journey was the obvious next step that paved the way for the bifurcation and launch of full-stack payments and banking modules, namely, Fabric and Flow. We cater to the new age use cases and companies needing a relatively well-evolved, stitched stack suited to enable white label and embedded workflows for financial products rather than standard payment gateways in the market. From identifying the need to be  a robust, reliable, cost-effective banking infrastructure for our customers to graduating to full-stack solutions, the dynamic nature of our offerings makes us one of a kind. Our Predictions/Thoughts on the Banking and Payments Industry in 2023 2022 was the year when regulators and customers alike witnessed the impact of open banking initiatives. The natural extension of the open banking service is bleeding into . Open finance’s potential in terms of opening up data sharing for new cross-industry business models beyond just banking products and service is unsurmountable. This, combined with the , brings more “closed-loop” solutions powered by fast and intuitive data collection. So purely from a technological standpoint, these two behemoths will allow solutions operating in the banking and finance space to achieve a 360-degree view of their customer’s needs, providing them with contextually relevant information about discounts or personalized offers. Open Finance potential of AI/ML The common thread across the offerings this year would be stakeholders trying to keep up with the demands of a technology’s native customer base. In 2023, the ability to will act as the differentiator for the players in the space. anticipate customer needs and provide great experiences What word defines the state of Banking and Payments in 2023? 2023 is the year of n for banking and payments. Fintech companies have been consistently reshaping the banking and payments landscape by offering innovative solutions in areas such as digital wallets, peer-to-peer lending, AI-advisory services, and alternative payment methods. However, the focus now is to ensure these offerings are accessible beyond the unbanked segments. access and inclusio Innovation is generally tethered to revolution till it breaks the 4th wall of accessibility. Efforts to promote financial inclusion continue, focusing on expanding access to banking and payment services for underserved populations. Fintech organizations of tomorrow, like us, are leveraging technology to bring financial services to unbanked and underbanked individuals in developed and developing economies. Governments and financial institutions are investing in developing digital payment infrastructure, such as payment gateways, interoperable systems, and digital identity platforms. These initiatives aim to create a robust ecosystem that enables secure and convenient digital transactions for all individuals, including those in underserved areas. Final Thoughts With HackerNoon’s Startup of the Year awards, we have had the opportunity to witness the disruption all other nominees have been causing to the space. Access to such an inspiring room not only pushes us to work harder but also instills a sense of pride in being part of a diverse and accomplished cohort. It’s been only 3 years since our inception, but we can’t wait to embark on the next phase of our growth, with the vision remaining the same, Making Fintech Great Again! Decentro is nominated as Startup of the Year in Singapore. Vote for us today!

Making Fintech Great Again - Interview with Startups of the Year Nominee, Decentro 

Making Fintech Great Again - Entrevista con el nominado a Startups del año, Decentro

Making Fintech Great Again - Entretien avec le nominé des startups de l'année, Decentro

फिनटेक को फिर से महान बनाना - वर्ष के नामांकित व्यक्ति, डिसेंट्रो के साथ साक्षात्कार

Fintech を再び偉大なものに - Startups of the Year ノミネート Decentro 氏へのインタビュー

Tornando a fintech ótima novamente - entrevista com o candidato a startups do ano, Decentro

Làm cho Fintech vĩ đại trở lại - Phỏng vấn Ứng cử viên khởi nghiệp của năm, Decentro

让金融科技再次伟大 - 采访年度初创企业提名者 Decentro

Scared of the regulations? Frustrated with missing API documentation? Don’t know whether you need to work with a bank or not? Welcome to what most of the companies who wish to incorporate financial services into their platform face. Integrating with a legacy financial institution is no cakewalk. Any company that has to go through the integration cycle has to deal with broken APIs and half-baked documentations. The temple runs for approvals and compliances don’t make it any easier. But. Times are changing for the better. Most of the advancement that we see today in the fintech industry has come from two thoughts. One, a simple pain point or a blind spot that’s been staring in the face yet escaped scrutiny. Two, a dynamic idea that resolves it effectively. Being one of the fastest-growing ecosystems, fintech requires all hands on deck to identify, brainstorm, innovate, and repeat. In that very pursuit, we’ve been working on something exciting here at Decentro. With drumrolls, unfurling… India’s first-ever program for young & aspiring developers! Fintech Fellowship What’s the Fintech Fellowship Program? We’re on the lookout for developers- young college graduates or final-year students who’d like to set foot in the fintech industry and leave their print behind it- a sturdy one at that. The fellowship program spans from May 15th-July 31st, over 2.5 months, and provides young engineers the golden chance to dabble with cutting-edge fintech and banking APIs to solve real-world problems. Applications are open until May 1st. The three selected fellows can either work on their own or form a 3-member team We encourage all aspirants to approach this fellowship with their most ambitious ideas, for they could be pathbreaking. As a fellow, you can take up an existing product that needs a lot of polish & add our magic to do more good, or work on your own idea full-time. Our API documentation is open to all along with materials on Decentro’s product suite comprising of , , , and . You can make use of these to ponder on the best ways to implement and execute your solutions. KYC Lending AML & Compliance Accounts Why Fintech Fellowship Program? India, alongside China, accounted for the highest fintech adoption rate of 87% in 2020, while the average adoption rate globally stood at 64%, according to reports by . Research & Markets There’s immense scope and yet a lot left to accomplish. While our country is making waves globally for many financial models, such as , it still demands speed & innovation. This fellowship program is Decentro’s ambitious efforts to identify pain points and resolve them with young minds who wish to be a part of one of the world’s fastest-growing industries. UPI The fellows receive a monthly grant of ₹50,000 per individual/team. Besides, you get exclusive mentorship from the Decentro team, who has a combined experience of over two decades and speaks of some of the industry’s established names. When you graduate from the program, you’ll have built something remarkable to strengthen your developer profile. The rich industry experience you leave with will further help to fuel the rest of your career trajectories. Here is a word from our Founder & CEO, , on initiating this fellowship program before wrapping up. Rohit Taneja India is known for its technological skills, and with the focus on coding and associated language programs, there are many young and budding developers waiting for their chance to transform the sector with their unique ideas. With the readiness of the banking sector to offer API solutions, this fellowship will be a stepping-stone for the developers to catapult their ideas and make it a successful reality. How is the Selection Done for the Fellowship? The selection process is based on the application submitted and the profile of the applicant. Go through Decentro’s API documentation and familiarize yourself with the modulesIdentify a pain point existing at large in the fintech spaceDocument the audience who is affected by this problemDetail your thought process on solving this. Feel free to add visually supporting elements to pitch stronger. Tell us why you wish to be a part of this fellowship program Do you have what it takes to drive the next innovative solution in fintech? Or, do you know an aspiring developer who could make it big with this program? Help us spread the word! Apply for the program here. Oh, while you are at it, keep a close eye on our social handles, & especially, to receive the latest updates about the program. LinkedIn Twitter Until we see you next time, Cheers!

Decentro Launches India’s First-ever Fintech Fellowship Program

“Data is the new oil”. We have all heard this adage but does it fit in the startup ecosystem? The statement might be true for large enterprises which have multiple verticals and many departments looking at metadata or transactional level information to make sense of it, but what about a growing startup? Is Metabase the answer? It’s wise to start early and bloom according to the customer or market requirements when they come. As mentioned earlier, large enterprises might have data engineers setting up pipelines, and dedicated personnel preparing dashboards and presentations using the data collated from the multiple divisions of the organization, but a startup has limited resources in terms of man-hours and funds. This is where our trusty friend Metabase comes in. Metabase is a business intelligence tool that lets you access your data in a read-only manner. The only setup required is getting the docker up and running, then following the steps to add your database. No engineers or extra licensing costs are involved. Let’s dig deeper (for the “oil”) We at Decentro have a central RDBMS database containing transactional data. This makes querying the data easier and extracting information a piece of cake. Metabase sits on a separate instance and has read-only access to this database. Components of Metabase Metabase has 4 important components – – Written and saved queries that can be altered using the query editor or the custom question (used to visually provide filters and grouping options) Questions – A set of questions makes a collection. This binding of questions makes them easily manageable. Collections – The users of Metabase. People – Collections, but for people Groups Metabase allows to be self-onboarded using Google SSO which works very well for us at Decentro. Once a person is onboarded we assign them a , and the group in turn defines the accesses to the tables and that they will have. The permissions can be to simply view in a collection or curate them as well. Groups have policies to manage the access to collections and questions which are managed by the admins very stringently. people group collections questions Based on this framework, we have internally divided people into 3 groups Operations and Sales Product Developers team requires access to dashboards and questions that deal with customer success. Issues like Success rate dipping below a certain threshold, transaction-related issues, and customer billing. Similarly, the Sales team can check how their clients are doing using the data from Metabase. The Operations team needs to have a look at turnaround times, success metrics, and data anomalies. All of these fit in very well with the Metabase way of doing business. It helps the team to preemptively check for issues or inefficiencies in the APIs that our customers use. The Product are provided access to Metabase when they are working with the operations team to debug issues on production servers or to do configuration checks or root cause and corrective analyses (RCCA). Since developers work with SQL day in and day out, they can write queries to solve these problems and have a window to the production database. Developers As you can see the efficiency of the whole Decentro team is benefitted from Metabase. Why is Metabase awesome? Now that we have seen how to tap into efficiency, let’s deep dive into the why. Visualizations. Boom. Just, effortless visualizations. I just fetched some information from the database but I want to make a graph with it. Scenario: : A few clicks in the visualization tab and it’s done. Solution No pesky configuration options. Just a clean interface. Let’s take a closer look at a real-time scenario for better visualization. Below I have a query to fetch Transactions per second for one of the servers. This data represents the traffic on that server and is originally received in tabular format. But tables are not very intuitive. However, charts are. So I click on the visualization tab and switch my mode from data to visualization, and voila! Bar graph Now, this looks cool and intuitive. I have chosen a bar graph to analyze the TPS data more efficiently. But what if I wanted to further customize it to my liking? There are options such as setting a goal line if you want to set targets, changing colors (not shown in the screenshot below), showing a trend line, and many more, for each chart type. All the customization is focused on incorporating efficiency, and a level of intuitiveness with each chart. Stacking option Axes configuration Final Visualisation As you can see, my chart now looks good enough for our team to consume, and infer information from. Conclusion Metabase is a very important tool in the arsenal of a growing startup. Its impact might be low in the beginning, but as time passes on it becomes more and more valuable. Data-driven product and engineering decisions are what empower Decentro to understand customer pain points and work on them without the customers conveying them verbally, and Metabase is the silent aid for such decisions. In case it spikes your interest, our engineering team at Decentro has penned more tech blogs to satisfy the developer within you. Be it why we moved to , or a pocket guide on . Kong API Gateway from NGINX API Request Validation We’ll see you next time with yet another tech story! Also published . here

How to Build a Data-Driven Product Using Metabase

I’m not sure if this is how a blog should start- with a disclaimer right at the beginning. Here’s it- this blog could have a couple of hard pills to swallow for entrepreneurs & business owners. Even then, let me put forward this band of assurance that there will be light at the end of the tunnel- a ray of banking-API-sunshine. I know you wouldn’t be convinced yet; wondering what the blog title is all about even! “What are the various benefits of leveraging banking APIs? Can I do without it?” Sure. According to , 80% of companies make it past that first-year mark. In the 2nd year, only about two-thirds of all businesses with employees survive. The 5th year? Just half! And 30% by the 10-year mark. Entrepreneur Ergo, 7 out of 10 businesses fail within the first 10 years. Entrepreneur While most of us must have chanced upon the widely-spoken-about reasons for a company’s failure- like lack of marketing negligence, wrong hires, or even funding issues. Oh, not to forget the most important one- the product-market unfit that either pivots a company in the wrong direction or does so incredibly late that competition beats it out. Source: Failory While these are grave problems, there is another batch of reasons many founders may not even anticipate and/or even prepare for. Legal problems with compliance issues that are harsh, especially for fintech companies, Operational problems with resource underutilization & bandwidth stretching, Tech problems where your developers burn the midnight oil for all the wrong causes, and, Finance problems either due to lack of bandwidth or avoidable expenses in the form of resources and capital that burn your runway sooner than expected. Let’s dive deep and take two cases: fintech companies or any business adopting the wave of to generate more revenue with existing products & conquer new verticals. embedded finance So, What’s the Challenge? We’ve spoken to business owners who’ve waited and waited, for their products to launch after a financial integration to wrap up. The expenses that come with it aren’t good news either. Any company, be it a startup or an enterprise, that needs to collaborate with a legacy financial institution has several hurdles to overcome on the way. The APIs & documentation aren’t readily available, and to top it all off, the existing ones are filled with errors & loopholes. While you are trying to get this over with, be ready to swing back & forth like a pendulum between different departments for approvals, compliance checks, or even a simple discussion. Consequently, most founders either drop this midway or settle for mediocre solutions that add more problems than it solves. Even if you are resilient enough to go live, the headaches come in the form of broken flows, and never-ending iterations. What are Banking APIs? API or application programming interface helps two entities to transfer data seamlessly. Banking APIs enable any trusted 3rd party to avail the services provided by a banking institution or enable the same for another entity. Fintechs leverage a protocol known as API banking to incorporate various offerings and facilitate the same for their customers. For example, if you are looking for a convenient way to process your and manage your cash flow, API banking just might be the answer! B2B payments How Banking APIs Work Remember the Pay Later companies in the market like LazyPay, Bullet, and many more? That helps you get instant credit on all purchases against a specific limit based on your credit score? A fine example of service offered by a payments/fintech platform; or even Amazon Pay later – a financial service offered by a non-fintech company! These are just some of the many strides a business can make, thanks to API banking! buy now pay later : We can consider banking APIs in two ways. One is directly provided by traditional banking institutions, while the other, provided by a or BaaS provider, which is an intermediary between banks and a business. Note Banking as a Service Let’s understand how banking APIs can aid your company during the various stages of growth. Banking APIs For Different Growth Stages of Your Company Let’s trace a company’s lifecycle, right from its nascent stage, with the finest example of metamorphosis! Cocoon: In Stealth Let’s imagine that your company is starting off. There’s a lot to do, and lots to achieve. Therefore, you’d probably require: Seamless Payment Collections Should payments give your business a jumble? Not if you get it right with banking APIs. Create smooth payment workflows for your customers & partners. While you make money transfers easy, you also get the opportunity to diversify the methods; why limit to simple bank transfers when you can ride the wave of and QR code-backed payments? UPI Simplified Reconciliation with Business BaaS Use business banking as a service(BaaS) to perform operations such as facilitating account deposits, linking accounts & aggregating them, money transfers, fetching account statements, and analyzing the same! The manner in which your cash flow cycle gets simplified with business BaaS is quite underrated. Smooth User Onboarding Even if your business doesn’t reside in a fintech or banking domain with strict guidelines for background checks for users, __ __still forms an integral part of a business cycle. While starting, it would be easier to perform this verification. However, when you scale, the need for automation is undisputed. KYC We say, why not set up a real-time automated workflow with API banking? Run the documents a user submits, be it a PAN card or driving license, and verify it instantly. Furthermore, perform KYB verification for your business customers to stay in compliance with Anti-money Laundering & Terrorist Financing Laws! ( & TF). AML Real-Time Transaction Reconciliation The time, resources, and money that businesses waste on reconciling transactions is alarming. Therefore, let’s make sure that your business isn’t one of them. With API banking, you can employ to trace the source of every payment via your company. Make your ledgers up to date and the bookkeeping process efficient, in real-time! virtual accounts Sounds tedious? Looks exhausting? Truth be told, it is! A great API banking platform will help you connect with a bank partner to facilitate all of the above, without breaking a sweat, or your wallet! Butterfly: In Flight Now, let’s imagine the case where your company is earning revenue, helping more customers, and have a sturdy team to back you. If you have already solved the pain points we’ve mentioned in the cocoon stage, you are ahead, I mean way ahead, of most of the businesses out there. If not, no worries! It isn’t late either. Make use of banking APIs, and optimize your cash flow cycles. Turbocharge with Automation Furthermore, you can sit back to automate all those mundane tasks and pivot your team & resources for more important things. For example, automate the process of collections and disbursals, taking the rut out of it. Dip Toes into Embedded Finance Embedded finance helps your business to step into new vertical markets, without burning a lot of investment, and unlocking . Thus, once you have your roots firm in your target market, dip toes in new sectors, explore new verticals, and build new business models. One of the finest examples would be building your own BNPL product with banking APIs. new opportunities for revenue BNPL Working Issue Cards & Wallets If we say that cards can help you streamline spends and earn additional revenue in the process, how does that sound? With API banking, you can launch your cards program, issue to your customers, employees, partners, and enable them to make cash-free purchases. prepaid instruments In addition, you earn an interchange fee as income whenever a payment is made on these physical or ! virtual cards Streamline Credit If you are an or offering lending services as a core product, or as an extension by leveraging embedded finance, banking APIs will simplify the process. NBFC fintech lender Want to know the credit score of users before providing loans? Check! ✅ Want to disburse loans quickly for a great customer/partner experience? Check! ✅ Want to streamline & speed up the process of collections from users? Check! ✅ How can Decentro Empower Your Business? When our Founder & CEO, Rohit, was running his previous venture Mypoolin (that got acquired by Wibmo, & later PayU), he encountered repetitive hurdles related to banking integrations. Long waiting & compliance cycles, Incomplete documentation, No sandbox to test without business approvals, Lack of a single business POC within the bank to take the final call, … the list went on. That’s how Decentro was born- to help businesses resolve the challenge of long-drawn & exhausting banking API integrations. Let’s see how! Launch Products 10X faster Skip the pendulum play between various departments for approvals, compliance checks, and clarifications. We take care of all this so that your business can achieve faster go-to-market timelines and you can focus on what’s really important for your business. We’ve partnered with some of the notable banks & financial institutions in the country like ICICI Bank, Yes Bank, Kotak, Equitas, Equifax, and more. … and at 90% lesser overhead expenditure. Save costs, without compromising on your tech or product. Iterate your product based on market feedback, and reach product-market fit at an accelerated rate. Key Takeaway: Milliseconds Response Times & > 99.9% Uptime We understand that some businesses could suffer massive losses even for a short downtime. Therefore, we wanted to do our bit to build APIs that help your developers, just as much as it helps your business. With more than 99.9% uptime, our APIs bring you response times up to a few milliseconds to make any workflow you build efficiently. Help your developers with API solutions that aren’t cumbersome to work with; or which exhaust them to the point of burnout. Easy, clean documentation & support at standby whenever you need it. Key Takeaway: Multi-Bank Architecture in the Backend Unexpected downtimes, black swan events, or volume spikes? No worries! We’ve built a multi-bank architecture to handle any of these. If one service provider faces any glitch, we’ll re-route the operations so that your business can run uninterrupted, and there aren’t any adverse effects. Use tech to steer clear away from operational problems. Key Takeaway: 95% Faster Customer Onboarding Provide a smooth customer onboarding experience to your customers with our . Run comprehensive background checks on your customers/partners using any national documents, and onboard them in real-time. Oh, automate the process once and for all. KYC APIs Furthermore, you can directly share a KYC link to users via email, for even simpler verification. With our , keep fraud in check and prevent any cyberattack before it has the chance to strike your platform. CKYC APIs Don’t compromise on customer experience, especially at something like onboarding which creates the first impression. Keep compliances in check, and legal complications at bay, and set up robust security for your business. Key Takeaway: KYC Financial APIs Plug & Play, No More Delay Tap into various verticals using simple plug & play banking APIs. Be it business banking for accounts linking, aggregation, statement fetching, or simplifying payments, issuing your for any loyalty programs or benefits, optimizing workflows & launching your own custom BNPL product, with Decentro’s API banking platform. co-branded cards lending Make use of diverse modular products to meet any financial product requirement at a vantage point! Key Takeaway: Fintech lenders, , marketplaces, wealth managers, are some of the many verticals that resolve their financial woes with banking APIs. For example, streamlines credit processes, eliminates gig settlement delays, or enables instant automotive loans. gig economy payment service providers MoneyTap Workflexi KUWY Even after integrating, our platform takes care of all upcoming fixes & iterations without any breakage on the workflows.

How Banking APIs Can Help Businesses Launch Quickly

Mimosa pudica, or the touch-me-not plant – That’s how our transactions are becoming. Given our preferences for touchless menus and contactless transactions in the last two years, QR codes have made huge inroads – a ever since the pandemic occurred. The global QR Code Market is projected to grow to by 2026, from in 2020. 750% rise in QR Code downloads $1.2 billion $0.9 billion Local Kirana stores, restaurants, fintech players, retailers, FMCG companies, travel and hospitality businesses, healthcare businesses, and even donation platforms have started using Quick Response, or QR codes with varying degrees of need. In , we elaborated on how a QR code works, the types of QR codes, the advantages of using it, and more. one of our earlier blogs RBI announces UPI and credit card linking With the new announcement, users can now link their credit cards to popular UPI apps like Google Pay, Paytm, and PhonePe. Users can then scan the QR code and choose a credit card as the mode of payment, making it an additional layer of convenience. So, how are these developments in QR codes impacting business revenues, and customer growth? QR codes – The connector between us and the physical world As we know, QR is a barcode-like image consisting of information about both a merchant and their payment provider. QR payments function like a normal Point of Sale (POS) terminal: customers use their smartphone to scan the QR code,  once the camera detects the QR code, a push notification leads them to a screen to input their payment details and complete the purchase instantly. QR codes – The key benefits. Convenient and contactless, and real-time QR codes can be placed anywhere: outside a payment counter or shop, on websites, or in emails. Customers can complete payments instantly, from a safe distance. Improved customer experience QR codes for payments eliminate the need for any cards or payment terminals – just a smartphone can do the job. A secure payment alternative QR codes are more secure than card payments: all data is encrypted and if paid through a website QR code, customers need not even fill in any bank details. Payment Reconciliation Every payment is reconciled in real-time, and the ledgers are updated. While it is convenient for customers, it easier for businesses. APIs make virtual accounts Saving on commissions and processing fees While vendors can get payments instantly via QR codes & UPI, small merchants get to save the commission or transaction fees to payment gateways. With high-volume__ __, SMEs can save big by using QR code payments and avoiding paying hefty processing fees. B2B payments How can Decentro empower businesses with QR codes for payment? Get Static or Dynamic QR Payment Codes Decentro’s help you create both static or dynamic QR codes, based on your business needs. Be it , , , or , Decentro’s payment stack supports multiple modes of transfers including bank transfers, UPI, and QR code payments. With created exclusively for your business, you can receive payments in real time! Payments APIs neobanks fintech lenders gig economy platforms NBFCs virtual accounts Branded, or White-labeled UPI IDs Branded UPI IDs instill confidence in customers. Decentro can help you brand the UPI IDs in the name of your business, making way for a better customer experience! Simplified Split Payments & Commission Settlements For businesses with more than one branch, keeping track of the money flow can be a hassle. Decentro’s feature helps a company with real-time bookkeeping, irrespective of which outlet the money flows from! split payments Payment Reconciliation Offline businesses often face trouble figuring out missed payments, reversed transactions, etc. Decentro’s real-time payment reconciliation via keeps your ledgers updated, and you can create multiple accounts too! virtual accounts APIs Speed of Integration You perhaps liked all the features and it fits well with your business needs. If you are wondering how soon you get started with the integration, Decentro’s financial & are built to enable you to go live in about two weeks, as compared to the months that traditional financial institutions typically take. This also means reduced expenses of up to 90%! banking APIs By the way, You also even scan the QR code below to reach us. Just for the feel of it, cheers!

Serving Contactless Payments Through the Use of the QR Code

, take a back seat, there's a new player in town! NGINX For many developers out there, NGINX would be the primary choice for reverse proxy. However at , our API platform for banking integrations, we moved on to something more exciting! Decentro API development has moved from a single stack monolithic architecture to the majestic microservices architecture. This requires a gateway server that should manage redirection, proxying, and security over multiple requests. This means our old faithful NGINX has become a little outdated. (Let’s not even talk about Apache HTTP Server here!) Even if you run a monolithic application, The API Gateway is still a good pick. Apart from proxying, there are many other benefits. The API Gateways should give us the developer the ability to: Scale: As you grow, so should your application Provide security: Applying SSL is just scratching the surface Have a GUI: This would make life 10 times easier Be Intuitive: Should be self-explanatory “ ” But what does it do? You may ask. Good question. Suppose we have an API stack with multiple APIs spanning over a bunch of microservices. Let’s look at the diagram: Here you can see the API Gateway is the lord and the savior for the application instances running behind it. It proxies the requests to the requisite application instance (as a reverse proxy). Now your endpoint can be independent of the microservice it caters to. So if you want to have multiple endpoints (e.g., /docs, /documents, /documentation) connected to the same application, you can. Just reverse proxy it, baby! Farewell, NGINX! Here at Decentro, we used to work with NGINX as our reverse proxy server. But we grew out of it. We had to log in to our instance to reload NGINX via CLI and had to learn to manage configurations when using NGINX. It didn’t have consumer-level handling for API management. We needed something extra. After logging our heads together for quick brainstorming and crossing the Is’ & Ts’ on the Pros/Cons list, we found the one! Dhumm… Dhumm… Dhumm… Did you feel it? Here comes ! KONG Source: Github As is evident from the image above, Kong provides a lot of features out of the box. No recompilation. No command-line configuration. No extra cost. Kong comes with its own RESTful Admin APIs. It is built on top of OpenResty (an extension of NGINX) and LuaJIT. These provide access to all kinds of configurations that can be made available. We have done another addition on top of it by adding the Konga dashboard to manage Kong via a GUI. Kong API Gateway Structure The API structure in Kong is pretty simple. Services – The logical representation of your microservice or monolithic application Routes – The logical representation of endpoints that are accessible within the service. Consumers – The clients that are going to be using the services.Plugins – This is where the magic happens. Plugins can be applied to either of the above entities mentioned. So let’s talk about an example. We have a microservice that takes care of sending emails.  We'll declare a Service with the name “emails” (Pretty innovative.. yep!). This will contain the details of the application server, which it will reverse proxy for. Now let’s make Routes for this service. So we have two kinds of emails to be sent. Transactional – Sent by the API Marketing – Sent by the marketing department to let the clients know about the new features of our awesome product. Now, we will put an API Key authentication plugin on top of the “emails” service. This will ensure that no bad actors try to get access to our APIs. Rate-limit Plugins We will also add a rate-limit plugin (to limit the number of API hits) on the different routes. Transactional (600 per minute) – Since this API is triggered by other flows, we need a high rate limit. Marketing (1 per minute) – Since this is manually triggered, we don’t need to go beyond 1 per minute In order to further enhance our security, we will allow only certain IP addresses to be able to access our transactional email route as it will be triggered only by our internal systems, and we know the IP address range for our internal systems. We will set it open to the world (Potentially insecure) for the marketing emails as the marketing peeps should be able to access it from any cafe that they wish to work out of. Now we want only authorized consumers to access the APIs, so we will set up a consumer and add the API authentication credentials for them to use. Now our email service is ready to serve consumers. We can integrate it into our code and give it to the marketing peeps for them to use it manually. Wrapping Things Up As you can see, using Kong as an API Gateway is simple and takes the hassle of managing APIs. Kong provides many other features like upstreams, certificate management, request and response transformation, serverless code execution, logging, and CORS, which are very helpful when you wish to develop APIs quickly. NGINX and other reverse proxy servers are simply blown out of the water by the ease of configurability and sheer dexterity that KONG provides out of the box. We rest our case, thus!

Why We Switched from NGINX Is to KONG API Gateway

Por qué cambiamos de NGINX a KONG API Gateway

Photo by E on rick Butler Unsplash Hey Hackers! I’m Rohit Taneja, and I’m the CEO & Founder of Decentro. First of all, a huge thank you to the community and staff for nominating [me/us] for a 2021 Noonies award! Decentro has been nominated in the below category. Please do check out these award pages and vote, we’d be super thrilled! HackerNoon : HackerNoon Contributor of the Year - Banking https://noonies.tech/award/2021-hackernoon-contributor-of-the-year-banking What do you do and why do you do it? (tell us your story) My first venture, was co-founded in 2015, and it was my country’s first social payments platform -- similar to Venmo from the US. Mypoolin, After raising two rounds of funding, Mypoolin was acquired by a California-based global payments player Wibmo in 2017, which in turn was acquired by Naspers-backed PayU in 2019. I experienced firsthand how painfully long and intricate working with a bank can be. I later encountered the exact same hurdles while leading the India and SEA markets in terms of their financial and banking integrations. There was a problem- a serious one at that. The market had immense potential, and the solution seemed intuitive. That’s how Decentro came to life. At Decentro, we’re building a full-stack API banking platform for financial integrations. It’s our mission and vision to empower businesses-- be it a budding startup or a fully-fledged Corporate -- to breathe a sigh of relief when they encounter a financial or banking integration. In this manner, any company can come, select any desired module from our API suite, integrate, test in the sandbox, prune, and go live within weeks. Tell us more about the things you create/write/manage/build! Decentro builds on top of a bank’s API layer and has API modular suite for a host of products such as: Bank Accounts: Business, Savings, Virtual Payments: Bank Transfers, UPI, QR codes, E-NACH Lending: BNPL, Credit Options, Credit Score Checks KYC: CKYC, KYB Cards: Prepaid & Credit Payment Instruments. Virtual & Physical. AML & Compliance Essentially, there are two innovative ways to use API integration techniques. The virtual banking infrastructure helps companies streamline their collection processes and payouts and verify the identities of registered businesses. On the other hand, Decentro’s KYC suite enables companies to run comprehensive identification checks on sellers using multiple government-issued IDs such as PAN, GSTIN, Voter ID, Driver’s License, etc. What tech are you most excited or passionate about right now and why? Amazon Web Services. The more I see of it, the more I admire it. It provides so many cloud services under one umbrella and all available at the click of a button (or several buttons) to configure the service. The beauty lies in the way all the services can be used independently as well as with each other. We got inspired by it and are trying to build a similar set of services in the financial domain for our clients. If we gave you 10 million dollars to invest in something today, what would you invest in and why? That would be pretty great, thank you ! :) HackerNoon On a serious note, well, that’s a no-brainer, isn’t it? We’d utilize the millions to build a driven, smart team that can create magic with anything they take up. Our pursuit to solve one of the most severe and long-prevailing problems in the fintech & banking space is steadfast! We’re grateful to all our investors for believing in the mission & vision. In case you are curious, here’s the team taking a well-deserved break & relaxing in the backdrop of an otherwise dense forest! Once again, many thanks from all of us at Decentro for having us as a finalist for the Noonies Awards to Team Hackernoon. Our best wishes to fellow nominees. Cheers! About HackerNoon’s 2021 Noonie Awards The annual Noonie Awards celebrate the best and brightest of the tech industry, bringing together all who are making the Internet and the world of tech what it is today. Please be sure to , nominate, and vote for the people and companies who you think are making the biggest impact on the tech industry today. check out our award categories The 2021 Noonies are sponsored by: , , and . Thank you so much to these sponsors who are helping us celebrate the accomplishments of all our nominees. bybit Dottech Domains Avast

"I experienced firsthand how painfully long and intricate working with a bank can be" #Noonies2021

Earlier this year, we'd released a set of FREE utility APIs, which help individual developers, startups, and companies alike by being a one-stop-shop to check KYC IDs’ formats and search for an IFSC! How about we dive deep and know about them? Why Utility APIs? For most start-ups today, a significant part of the product roadmap is driven by their collective knowledge, and the remaining learning occurs from the feedback given by early customers. However, to implement that knowledge, teams need access to information, sometimes at their fingertips, to make informed actions that impact the revenue positively. At Decentro, we realized the importance of access to information when we started and realized its importance- not just for us but for any budding fintech. Thus, we’ve taken the first step in our efforts to consolidate & share the knowledge that will go a long way in helping emerging fintech gather information without incurring any additional costs. We developed these no-cost utilities based on our interaction with our initial customers. From January 5th, 2021, these common utility APIs will be available for everyone to access. , anyone can use these APIs to (currently supported – Aadhar/PAN/GSTIN) or check the branch details for an IFSC of any bank in the country. In phase 1 validate the format of a given ID From our experience, we understand that consumers can easily make mistakes while entering their ID numbers or, in some cases, even enter junk data. This becomes a major blocker in ID verification as valuable time & money is spent to perform the task again. These utilities verify whether the entered ID is authentic by checking its format as prescribed by the Government of India. In addition, IFSC search is also an important check not just from a business point of view but also from consumers’. Many a time, money transfer requests fail due to an incorrect IFSC. Having a preliminary check done for the same before initiating a eliminates any delay or loss. money transfer More features are slated to join this set pretty soon. So, keep an eye peeled for our newsletters! To know about the free utility APIs, here's . We hope our fellow fintech enthusiasts will find tremendous use from these. Do check them out and kindly shoot feedback & love in our general direction. It will help us make a better, more holistic product that you cannot stop raving about and recommending to your peers & colleagues. the documentation As someone rightly said, “Knowledge grows only when you share it,” we hope to keep sharing our knowledge with you and make ! Fintech great again The dangers posed by the pandemic have not subsided yet. Do consider all the precautions suggested by the authorities and the medical experts to enjoy a safe onward journey to the future where these troubling times become just a passing topic of discussion. We hope you remain safe, your family in the pink of their health, and your goals for the next year, super achievable. From all of us here at Decentro. Thanks for reading! Cheers! Previously published on https://decentro.tech/blog/utility-apis-enabling-easy-access-to-fragmented-databases/

Fragmented Databases: Access Easily With Utility APIs

It’s a moment of total happiness and pride today. Not just me, but for our entire team at Decentro. As a company, we’re turning one today! Of course, our is still less than a year old since we launched it in July, and hence the celebrations will continue. first product Looking back, there is a lot to cherish, think over the lessons that we’ve learned, and some of the achievements that we’ve garnered. How it all Began Decentro didn’t take flight in a situation that you’d exactly call ambient. The pandemic was right on the doorstep, and the lockdown had just been put into effect, when I registered the company last year. The world was scared & confused. We were in a crisis, never been before, and a million questions ran through my head about running a company amidst this chaos. I realized that what we were about to build would ultimately enable thousands of products to come to shape in this complex banking and fintech world. I knew it’d be no easy path, and the timing could never have been more crucial. With no-contact norms and people staying at home, it was evident that the offline economy would be hit severely. The commoner would have one struggle after another to face. It was up to the digital companies to do their bit to bring a silver lining in this otherwise dark cloud, especially in terms of seamless monetary and fiscal solutions. Thus, with the vision & mission to make banking API integrations 10X easier & cheaper, and to enable businesses to optimize their financials & go-to-market faster, Decentro was launched! What we’ve Learnt in this Past One Year I’d love to take this opportunity to share with all of you the things we’ve learned as a startup and some of the lessons that early-stage entrepreneurs & companies can pick up on. 1. Building a Team Setting the culture right from the start is crucial; just like lego blocks laid neat to erect a fantastic architecture. Few of the principles that guide us as a team are: Radical truth and honesty towards each other, even if it is uncomfortable. Empathy towards our customers (companies) and walking in their shoes at all times. Execute and manage your task as someone operating a machine, which means both zooming out at the high level as well as zooming in for attention to detail. It goes without saying the immense appreciation and the gratitude we have for the initial employees who joined us. It takes courage and determination to trust just an idea alone and hold hands to turn it into a reality. 2. Hustle to Onboard the First 10 Customers One of the most challenging tasks for any startup out there is to convince and onboard your first set of customers. Being a new player, there isn’t any reason why you should either, isn’t it? One of the very motives why you should be and go about it. calmly aggressive It wasn’t just the sales team that took calls- we all did. Even then, since there are no to showcase or customer base to present, closing a deal is never an easy route. case studies Here are some of the things that we learned from the journey of onboarding the first 10 customers. Each business has a different case. The product infrastructure while setting out may not be sufficient to accommodate most of it- you build a minimum viable product, step foot in the market, and then iterate with time. Understanding the product well and customers even better was crucial. Well, you know the obvious reasons why this is important. Adding to that list is the fact that, in the beginning, it’s very easy to get distracted if you pursue customers without focus. “Consequently, you’ll end up getting lost in a feature-rampage and building a product that is suitable just for ‘today’ and not tomorrow.” Another thing that has worked super well for us was the decision to approach early-stage startups just like ours. Both parties are clear on one aspect- launching & getting established in the market. It became easier to relate, collate, and close deals. Companies nowadays are not willing to with banks that delay their product launch by months altogether. Our APIs helped them to get to the market 10x faster. spend long integration cycles Also, the con of approaching big players in the market (at an early stage) is that they expect customization to a large extent. Are you thinking of only traditional routes for customer acquisition? That’s not quite being 10x. is something that many Founders are just beginning to grasp. Social listening We constantly made an effort to do this. And, I must say the efforts are paying off! As a result, leveraging the social presence and network of the team proved to be pivotal in getting us quality inbounds. Educating the audience on how you help solve a problem rather than talking endlessly about the sparkling features. This was the time we took to understand customers, their pulse, and the market weather. With each customer we onboarded, we used their case studies to help prospects understand the product better. 3. Challenges & Downtime Issues Building meager APIs with average response times is something anyone can do. However, would that really make a difference to the industry as a whole? We’ve had our fair share of challenges when it comes to downtimes. When it comes to partnerships with banks, it was crucial to ensure that they were happy with our onboarding process and compliance approaches. The strong pedigree of the founding team helped us here. As of now, we have 4+ major private banks in the country as our partners, and we’re in the effort of adding more. It’s tricky enough to handle a single banking infrastructure integration. Now, imagine handling multiple such integrations simultaneously, and making them available via an inter-operable & uniform API format. Sounds quite daunting. To be honest, it’s no cakewalk either. This is precisely one of the aspects where our product stands out. At the same time, such integrations have made the product quite resilient & powerful. When you are building a product company, the speed of the development is extremely critical. However, when you are building an underlying fintech infrastructure product, quality plays a vital role as well. Balancing the two together is no easy feat. 4. How we Approached & Broke Things Down - Teamwise Helping individuals realize their true potential and enabling them to utilize it thoroughly goes a long way for a company. One of the best decisions we have taken at Decentro is to hire young and extremely talented people who are driven to achieve goals and are passionate about realizing their dreams. For this, all of us here have complete ownership and accountability for everything we take up. Micromanagement is out of the window to ensure this happens well in order. The freedom to communicate openly allows everyone to share their views, discuss, veto out till the best option is chosen. We’ve extended this to each time in the company. 5. The Tech Team: Sprints & Resolving Issues With a product-centric approach, setting up a strong team that joins hands and works like a well-oiled machine was indispensable. We’re growing fast, and one of the fastest expanding departments is the tech team, naturally. Our engineering approach has been quite simple & straightforward. Approach everything from first Principles. Understand the underlying pain point we’re addressing and solve it using the above. When we started, the architectural set-up was a plain vanilla one. We closely monitored the traffic patterns and the API usage and relied on these metrics to scale up accordingly. This approach has served us well, quite amazingly, to make well-informed decisions. For instance, when it came to microservices and containerization. : Optimization To ensure a smooth workflow, we employed projection management software such as Trello & Jira. With a myriad of tools, like AWS Cloud Watch, it was easy for us to track things at multiple levels to ensure any breaks are fixed at once and make efforts to dodge this proactively. Besides, it helped us understand the increasing computing & storage requirements. Tech teams must work closely with the business team. Period. Being on the same page helps the business team to grasp the transaction trends and make better decisions. It also helps the tech team to identify blindspots and exterminate silent issues. : Team Sprints To optimize the team output and ease of working, we made it a point to conduct sprints diligently. The initial months saw us go full-throttle aggressive with weekly sprints. However, with time, we’ve moved to fortnightly sprints. : Individual Productivity Many factors affect an individual’s productivity. The one thing that keeps them cent percent focussed would be their nature of work, naturally. We make a conscious effort to identify the interests and career aspirations of each member who joins us. As a result, we make it a point to allocate tasks that coincide with this interest. A heightened sense of ownership and avid passion are the direct outcomes, thus. However, we also ensure to motivate the team to venture out of their comfort zone, explore new things, and learn & grow, both personally and professionally. 6. The Marketing Angle We were pretty clear on how to drive marketing from the get-go. Go organic all the way. Being a YCombinator alumnus, we were blessed with many opportunities, and some of them being their sturdy support and referrals as a result. We wished to grow as a brand in all aspects; doubling down on organic efforts via content marketing, SEO, social media marketing, and email marketing. We’re out on the journey and are constantly running experiments to see what works and doesn’t. For instance, we ran a social media experiment to better understand the frequency of posting on & . Twitter LinkedIn Posting daily on Twitter boosted & showed an increase in 76% of impressions compared to the previous month and improved metrics such as profile visits. On the other hand, our LinkedIn posts saw a decline in the impressions, and the follower count increase seemed to be slow. We made it a point to share our journey and learnings with the world. So these experiments are always part of our monthly newsletters. To our delight, we’ve received quite a traction from them, and helped us gather quality MQLs(Marketing Qualified Lead). Intrigued? You can subscribe to the . same here 7. Sales & Customer-approach We extended a similar framework used for onboarding the first ten customers to the rest of the sales approach. Identify the customers when we approach them first, after the complete awareness of what we are building and for whom. We connected with decision-makers and relevant stakeholders to fast-track things and get a comprehensive overview while reaching out. An active social media presence helped us pique the interest of the team’s primary network and their connections’ network. A bulk of the initial traction came in from the people we had worked with, in the past. They may be the best customers as they are patient and give you feedback that actually matters. Alongside, the interest cascades to 2nd-degree connections, which eventually will help the team build a decent pipeline to work on. They will also make an effort to understand your product and will make the sales process easier while allowing the sales team to understand what pitches work; build, iterate, and make it a solid pitch. TLDR. Do the homework on choosing the initial customers, and keep them as close to your ICP or Ideal Customer Persona. Post this, venture out and start the conversation. 8. A Case of Mismatch: Pulling the Plug It’s never easy to part ways. When we onboard the team, especially in the beginning, there’s a lot riding in the background- shaping the culture, forming the foundation of different teams, and building things fast & shipping it faster. When the team is small and close-knit, it’s all the more important to ensure the right hiring choices are made. However, things may not always go as planned. There could be a mismatch down the lane, if not immediately. There could be performance gaps, cultural differences, and a lack of alignment. What should be done in these cases? We say give chances to improve & perform better. To understand and align according to the collective mission & vision. If there’s no match despite the efforts, it’s best to part ways amicably for the sake of the employee’s career ahead and the team as a whole. This pretty much broadly covers our journey from day 1. There’s still a long way to go, a lot to accomplish. We’re marching forth with the dream that gave birth to Decentro in the first place- simplify Banking & financial integrations; make it as easy as it should be. From all of us at Decentro! Cheers!

8 Important Learnings from 9 Months of Product Development

“Wherever you go, go with all your heart,” said Confucious. “Wherever you go, go with TripMoney Global Credit Card,” thought Make My Trip. MakeMyTrip’s fintech arm TripMoney has joined hands with SBM Bank India to launch a rupee-denominated secure credit card. The value-loaded credit card with several money management features is powered by Visa and can be used across 150 countries helping international travelers, including students. Next, Amazon and Flipcart thought “Empty shopping bags don’t make noise” and launched their own credit cards with rewards to make buying more affordable, targeting over 50 million customers. and money, more like the dad in the house thought, “If you are shopping and travelling so much, you may well keep track of what you spend and save.” They have come up with a super finance app that can be the “one-stop shop” for people to keep tabs on savings and expenses. How are all these made possible? How are non-banks able to embed financial services into their experience and take it to the market so quickly? Who is bridging this collaboration between regulated financial institutions & any company that wants to partner with them and build fintech products? Many such questions. One answer – Banking-as-a-Service, or BaaS providers. What is BaaS? BaaS is an that enables fintech companies and other third-party organizations to connect with a bank’s system using APIs.  This helps businesses build modern financial services on the provider bank’s regulated infrastructure while facilitating open banking services. end-to-end approach Banks hold money, remittance, and payment processing. To enable these functions, banks need tons of investment and create the required infrastructure. The processes and the complex infrastructure often create gridlocks. These gridlocks called for a bridge for fintech companies and non-bank organizations to partner with banks, instead of building these financial services from the ground up. Who are BaaS providers? Banks help fintech companies connect their products and services to the wider financial system. BaaS providers act as a bridge between a bank and a company – they integrate the bank’s financial infrastructure into a company’s app or website. Start-ups and businesses can create a fintech product without setting up their own financial infrastructure. With BaaS providers, businesses don’t need licensing or compliance with many financial regulations, because they never the money. All financial operations are driven through the BaaS provider’s system. “touch” BaaS partners offer a wide range of business needs that include issuing cards, KYC, credit scoring, and currency exchange, along with core banking elements like payments, accounts, loans, mortgages, etc. This greatly reduces the costs and complexities involved in taking financial services and products to the end customer. How does Banking-as-a-Service work? Banking as a Service allows businesses to draw from existing banking services through APIs that communicate between them and banks. This enables building their own features as a layer on their existing banking services.  In simple words, Fintech companies pay to use BaaS Bank opens its APIs and BaaS connects them to the fintech companies Fintech companies build innovative financial services using these APIs BaaS Provider Services Offering BaaS providers can help businesses with the most crucial factors — think , opening an account – be it a , savings, or business, fintech payments, debit cards, and your own BNPL product. The important thing after all is companies want the BaaS provider to help them grow and support their fintech innovation. KYC and onboarding virtual How do businesses benefit from BaaS? With API driven facilities, help create new revenue sources for businesses by enabling cross-selling capabilities BaaS partners With BaaS, businesses can reduce the time to build and ship apps, taking products to the market faster. Businesses innovate more by capitalizing on APIs of their own, along with third parties Building products and services using API ecosystems drastically increases the customer base BaaS providers basically become the company’s extended tech team, helping them solve last-mile challenges, and keep up with changing regulations What makes choosing the right BaaS partner important? Partnering with the right BaaS provider is crucial for two reasons – not all BaaS providers are the same and it is not easy to switch BaaS providers midway because all your customer interactions will be linked to that particular provider’s financial infrastructure. Be it a fintech product that centres around core banking or service that just embeds financial features as an add-on for customers, the BaaS provider you choose will determine the bank you can partner with. Some BaaS providers may build on one bank’s systems or many; their range of services may be different, and it may perhaps not suit your business. These are other critical factors that make sense while evaluating a BaaS provider. What should you look for in a BaaS provider? is the most critical factor for any fintech service. It is imperative for the fintech company to control the relationship to grow. Partnership with banks & regulated institutions If the BaaS provider enables a direct relationship with your fintech business and the bank, great. BaaS providers also do the heavy lifting when it comes to preventing fraud, payments not going through, offering credit to customers through the bank, etc. An is ideal because all bank processes revolve around bank accounts. This approach by the provider makes way for deeper integration with bank cores, allowing you to use the needed banking tools to build more products and services as you grow. Bank accounts support multiple forms of . account-centric approach to BaaS lending & payment transfers The BaaS provider becomes a good fit if they can integrate with more than one bank partner so that all your company needs are taken care of. An ideal BaaS partner supports neobanks, , BNPL players, commercial and retail fintechs, and __ __for non-finance businesses. The provider’s services offering, implementation and support, the provider’s customers, all these are crucial factors to be considered. NBFCs embedded banking

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