According to research, the global fintech industry is growing by leaps and bounds. It surpassed $340 billion in 2024, with an expected growth to nearly $395 billion in 2025, and forecasts reaching above $1 trillion by 2032, reflecting a robust CAGR of over 15 percent. The industry is changing global financial services by providing digital-first, data-rich solutions for payments, lending, advice, and more. At its core is open banking, which allows businesses and consumers to share banking data with third-party providers through APIs securely. This sharing drives innovation in financial products and services.
Open banking creates interconnected, flexible solutions across areas like payments, KYC, lending, and money movement. It connects traditional banks with agile innovators. However, outdated banking systems, broken processes, and slow integrations can delay product launches by months. Understanding the dire need, Decentro was established in 2020 as a one-stop platform where you can integrate with desired banking APIs or SDKs and then go live within a few days—no need to run around for 5+ months to integrate with multiple banking partners for launching your products. With 40+ payout currencies and 12+ collection currencies supported globally already, along with end-to-end ledger-based reconciliation, you won’t need to integrate with anyone else ever.
Reimagining Financial Integrations
The traditional financial integrations are complex, time-consuming, laden with tectonic regulatory processes, practically anything to make life miserable for a developer implementing one. Decentro takes these problems head-on by providing plug-and-play APIs for payments, KYC, banking services, lending, and cards. Businesses can now launch fintech products that are scalable, secure, and compliant in days instead of months. The company abstracts away backend banking relationship complexities, compliance management, and infrastructure setup so that the product teams can focus on innovation and user experience, while it does the heavy lifting.
Niche Offerings
Decentro offers a specialized product stack designed to streamline financial operations with its API infrastructure. Its products include payments and banking APIs that support virtual accounts, UPI collections, payouts, and account management. For smooth customer onboarding, it provides easy integration with digital identity verification systems like Aadhaar and PAN. The lending stack handles credit underwriting, loan disbursement, and repayment processes. Its card infrastructure supports the issuance and management of both prepaid and credit cards. Additionally, Decentro’s embedded finance solutions specifically serve marketplaces, SaaS platforms, and neobanks. All these APIs come with sandbox environments, detailed documentation, and SDKs, making integration simple for developers and easing compliance for financial teams.
Security, Compliance and Growth
Decentro’s infrastructure, built around an in-depth understanding of RBI regulations and banking procedures, guarantees complete regulatory compliance. It follows industry best practices concerning data security and privacy, thereby allowing partners to comply with audit requirements and scale. With institutional support and Y Combinator incubation behind it, Decentro still continues to grow by broadening its offerings and attracting enterprises and fast-growing startups seeking to build embedded financial services without starting from scratch.
Decentro not only makes it easy to develop fintech products, with millions of end customers riding along, but it also fast-tracks financial inclusion by enabling companies to innovate rapidly, in a compliant manner and in confidence. Embedded finance as a concept gaining currency pushes Decentro further ahead as the go-to platform for the new generation of digital financial products in India.
