# Decentro

**Source:** https://geo.sig.ai/brands/decentro  
**Vertical:** Finance  
**Subcategory:** General  
**Tier:** Challenger  
**Website:** decentro.tech  
**Last Updated:** 2026-04-14

## Summary

Indian Banking-as-a-Service API platform for fintech and enterprise; UPI payments, virtual accounts, NACH recurring debits, and eKYC for embedding financial services in products.

## Company Overview

Decentro is an Indian banking-as-a-service (BaaS) API platform enabling fintech companies, enterprises, and technology startups to embed financial services into their products — bank accounts, payments, lending, and compliance — through a single API integration. Founded in 2020 and headquartered in Bengaluru, India, Decentro raised approximately $4.7 million and targets the rapidly growing Indian fintech infrastructure market where non-banking companies increasingly embed financial features directly in their core product experiences.

Decentro's API platform provides access to Indian banking infrastructure including IMPS/NEFT/RTGS payments, UPI payment rails, virtual bank account provisioning, NACH (National Automated Clearing House) for recurring debits, and eKYC (electronic Know Your Customer) identity verification using Aadhaar-linked services. Companies embed these APIs to enable in-app banking, automated payment reconciliation, subscription billing, and digital lending workflows.

In 2025, Decentro competes in the Indian fintech infrastructure market alongside RazorpayX, Cashfree, and Setu for API-based banking and payment services. India's digital payments ecosystem — built on the government-driven UPI (Unified Payments Interface) infrastructure that processes billions of transactions monthly — has created significant demand for developer-friendly APIs that make UPI and banking infrastructure accessible to companies building on top of it. India's BaaS market is growing rapidly as the RBI (Reserve Bank of India) has established regulatory frameworks for Account Aggregators and Payment Aggregators that facilitate open banking. Decentro's 2025 strategy focuses on expanding its API coverage, deepening regulatory compliance support, and growing its partner bank network.

## Frequently Asked Questions

### What is Decentro?
Decentro is a Gurugram, India-based fintech infrastructure platform that provides APIs and SDKs for seamless banking integrations and digital payments. Founded in 2020 by Rohit Taneja and Pratik Daudkhane, the company is backed by Y Combinator (W20) and powers over ₹50,000 crore ($6B USD) in annual payment volumes.

### What products and services does Decentro offer?
Decentro offers a Banking API platform, payment infrastructure APIs, digital payment SDKs, banking integration services, and API banking solutions. These products enable seamless banking integrations and digital payment capabilities for financial institutions and fintech companies.

### Who are Decentro's target customers?
Decentro serves 1,300+ customers including NBFCs (Non-Banking Financial Companies), fintech platforms, digital lenders, and banks. The company's infrastructure is designed for financial institutions requiring banking and payment integration solutions.

### When was Decentro founded and by whom?
Decentro was founded in 2020 by Rohit Taneja and Pratik Daudkhane. The company was part of Y Combinator's Winter 2020 (W20) batch.

### Where is Decentro headquartered?
Decentro is based in Gurugram, India. The company is planning to reverse flip its parent entity from Singapore to India within 12-18 months.

### How much funding has Decentro raised?
Decentro has raised close to $10M in total funding. The company's most recent Series B round in 2025 raised INR 30 Cr ($3.5M USD), led by InfoEdge Ventures with participation from Stargazer Growth, Uncorrelated Ventures, and existing investors.

### What are Decentro's key financial metrics and achievements?
Decentro reported revenue of INR 177.4 Cr ($21.3M USD) in FY2024, representing a 47.5% year-over-year growth from INR 120.3 Cr in FY2023. The company processes ₹50,000 crore ($6B USD) in annual payment volumes and serves over 1,300 customers.

### What is Decentro's technology approach?
Decentro provides API-based and SDK-based infrastructure solutions for banking and payment integrations. This approach enables seamless, programmable access to banking services and digital payment capabilities for financial institutions and fintech platforms.

### Is Decentro profitable?
Decentro incurred a loss of INR 24.6 Cr in FY2024, compared to a profit of INR 2.3 Cr in FY2023. Despite the loss, the company achieved 47.5% revenue growth year-over-year.

### What is Decentro's recent development regarding corporate structure?
Decentro is planning to reverse flip its parent entity from Singapore to India within 12-18 months. This move would relocate the company's parent structure back to its home market of India.

## Tags

b2b, fintech, api-first, asia-pacific, startup

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*