ELI5 ftw, ❤️ payments infra 💸, co-founder at Xflow
Joined February 2008
- Tweets 1,051
- Following 246
- Followers 664
- Likes 248
25 Photos and videos
Jun 12
Aviation was once as fragmented as payments are today. Every country had its own rules, every border came with more friction.
ICAO fixed aviation in 1944 by creating shared standards without replacing national regulators.
Payments need the same moment.
1
18
Jun 10
Cross-border money movement is one of those spaces where the more you learn, the more impressed you are that anything works at all. Just the sheer size & complexity of this engine puts you in awe!
1
7
55
Jun 9
ComplyJet came to us with a clear problem.
Collecting USD from US customers & bringing it to India, without an overseas entity, without hidden charges, without the manual compliance nightmare that comes with traditional banks.
We sorted it.
50% FX savings. Zero hidden charges. 10/10 support.
1
4
320
Jun 5
Monthly CPM at Xflow is one of my favourite days of the month.
We start with the business. What's working, what's not, where we're headed, the usual song.
But the part I look forward to most comes at the end.
1
1
6
169
Jun 5
We pass the Jackhorse.
It's a box. It has "Jackhorse" written on it. Don't ask why.
Every month, the team that pushed through the hardest gets it, and has to give a speech. The more embarrassing, the better.
1
1
73
Jun 5
We also welcomed some new faces this month. The initiation ritual is a game of 2 Truths & A Lie in front of the whole company.
Nothing like mild public vulnerability to make you feel at home. 🙏
Grateful for this team.
1
1
70
Jun 4
We received in-principle PSP approval from IFSCA at @GIFTCity_
This helps us support multi-currency collections, cross-border remittances, merchant acquisition, and more within a framework built for global commerce.
This one means a lot.
1
10
379
Jun 3
If you see @Xflowpay marketing team holding me hostage in front of a camera, do not save me. I'm right where I want to be. (I wasn't forced to write this)
1
1
13
382
Jun 2
May was a solid month at @Xflowpay
Our platform segment hit an all-time high. We now have platforms processing double digit millions in a single month.
Pipeline looks strong. GTM is fully staffed. The engine is running. Couldn't be more proud of this team❤️
3
2
16
1,079
Jun 2
Some internal wins that don't make headlines but compound over time:
- Better website lead capture
- AI-assisted development context
- AI visual bug fixing
- Automated CI pipelines across backend services
Boring? Maybe. Important? Very much!
1
2
31
Jun 2
The theme across all of it:
Build the regulated, product-led infrastructure Indian businesses need to operate globally.
The next decade of Indian cross-border commerce needs faster settlement, better compliance, stronger treasury infra.
We're building it.
2
23
May 29
RBI just announced cross-border CBDC pilots with Singapore and UAE. Most will read it as a crypto story, it's not exactly.
The problem RBI is trying to solve is the same one Indian exporters have complained about for decades.
2
10
226
May 29
The difference is who controls the rails.
CBDC: sovereign, programmable, tightly regulated.
Stablecoins: faster to deploy, already in use by global buyers today.
1
3
85
May 29
Both will coexist and neither is the complete answer.
Because the hard parts, like KYC, FEMA compliance, documentation, reconciliation, don't get solved by the rail. They get solved by the infrastructure built on top of it.
1
3
64