TimePe offers a unified, compliance-first fintech infrastructure platform that enables banks, NBFCs, and regulated partners to deploy secure digital financial services at scale. Our product suite integrates UPI, AEPS, Domestic Money Transfer (DMT), BBPS, Micro-ATM, assisted banking, lending, credit, fixed deposit APIs, and other embedded finance services into a single, AI-secured ecosystem. Built with real-time transaction monitoring, fraud detection, behavioral analytics, and automated compliance controls, TimePe strengthens governance across high-risk payment flows and assisted channels. The platform is designed for B2B2C distribution, empowering merchants, rural retail agents, and self-help group networks to deliver regulated financial services efficiently and transparently. With modular APIs, scalable cloud infrastructure, and risk-first architecture, TimePe reduces operational leakages, enhances transaction integrity, and ensures regulatory alignment from onboarding to settlement. Our service model combines technology, compliance oversight, and partner enablement to create a trusted digital financial infrastructure layer that supports inclusive growth while protecting institutions from financial, operational, and reputational risk.
Startup Description
TimePe, an initiative of Avyagrah Tech Innovations Pvt. Ltd., is a compliance-first, AI-driven financial infrastructure platform built to strengthen India’s regulated digital payments ecosystem. Designed as a full-stack B2B2C fintech layer, TimePe integrates UPI, AEPS, DMT, BBPS, Micro-ATM, lending, credit, and deposit APIs into a unified, secure, and scalable architecture. Our core differentiation lies in embedding real-time risk intelligence, fraud monitoring, transaction surveillance, and regulatory compliance frameworks from day one—ensuring governance is proactive, not reactive. We focus on empowering rural-to-urban financial access by enabling small merchants, low-income businesses, and self-help group networks to act as digitally enabled financial service points. By combining multimodal AI, behavioral analytics, and data-driven early warning systems, TimePe aims to reduce fraud exposure, enhance transparency, and build institutional trust across assisted and embedded finance channels. Our long-term vision is to become India’s trusted digital public infrastructure partner for banks, NBFCs, and regulated entities, delivering secure, inclusive, and scalable financial services with governance at the core.
Product Screenshots
Business Model
TimePe operates on a scalable B2B2C, API-led fintech infrastructure model, generating revenue through transaction commissions, platform usage fees, API integrations, and risk-intelligence subscriptions. We partner with banks, NBFCs, and regulated financial institutions to distribute services such as UPI, AEPS, DMT, BBPS, Micro-ATM, lending, and deposit products through our merchant and rural agent network. Revenue is earned via per-transaction margins, revenue-sharing agreements, and service-based pricing across assisted and embedded finance channels. In addition, TimePe monetizes its compliance-first architecture through subscription-based access to AI-driven fraud monitoring, transaction surveillance, and real-time risk analytics for partner institutions. We also generate onboarding and white-label platform fees for enterprise clients seeking customized fintech deployments. Our asset-light, technology-centric structure ensures high operating leverage, while our distributed merchant model drives volume-based scalability. By combining transaction economics with compliance and intelligence monetization, TimePe builds a diversified, recurring, and sustainable revenue framework aligned with India’s rapidly expanding digital payments ecosystem.
Customers
based in
India
Business
Modal Type
Mobile App
Type of
Sales
B2B, B2C, B2B2C, B2G
Competitors
1. Payments & Fintech Platforms:
• PhonePe – One of India’s largest UPI-based digital payment platforms with massive user and merchant adoption.
• Paytm – Broad digital finance ecosystem offering UPI, wallets, bill payments, lending, insurance, and merchant services.
2. Rural & AEPS-centric Networks:
• Spice Money – Rural fintech distribution network providing money transfer, cash withdrawal/mini-ATM services and last-mile banking.
• PayNearby – Pan-India CSP/AEPS aggregator and payment network (commonly listed with AEPS providers).
Teams
Satyajeet Kumar
Founder, Director & CEO
Priyaranjan Kumar
Co-Founder & CMO
Aeligeti Sreekar
Co-Founder & CTO
Tell us a bit about how founding team knows
each other.
The founding team connected through the fintech and digital governance ecosystem while working across payments, compliance, and government-backed digital programs. Through collaborations in last-mile banking, identity systems, and regulated financial services, they identified shared values around compliance-first infrastructure and AI-driven risk governance, leading to the formation of TimePe.
Why did you decide to start this
company?
We started TimePe to close the gap between rapid digital payment growth and weak real-time risk governance, building a compliance-first, AI-driven financial infrastructure for secure, inclusive scale.
Are all the founders full-time on this
project?
Yes
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