TimePe logo

Investors

Invest in the InfrastructureBehind Bharat's Financial Future.

TimePe is building a compliance-first, AI-driven financial infrastructure platform at the intersection of FinTech, cybersecurity, RegTech, financial inclusion and digital trust.

01 — Investment Thesis

Why TimePe

Trust Is the Scarcest Resource

India's digital finance has scaled transactions faster than it has scaled trust. Fraud, identity misuse and fragmented compliance are now the binding constraint — and the opportunity.

Infrastructure, Not Another App

Durable value in FinTech accrues to rails and intelligence layers. TimePe is being built as the trust and intelligence layer beneath many journeys, not a single consumer app.

Bharat-First Distribution

A tech-plus-touch model built from grassroots financial services experience gives TimePe a distribution DNA that purely digital players cannot easily replicate.

02 — Why Now

The Window Is Open

01

Digital public infrastructure has made real-time payments mainstream — risk, fraud and compliance capabilities must now catch up.

02

Fraud sophistication is rising faster than legacy, rules-only controls can adapt.

03

Regulators and institutions increasingly expect privacy and compliance by design, not by patch.

03 — Market Opportunity

The Trust Gap in the World's Most Active Digital Finance Market

India operates one of the world's highest-volume real-time payment ecosystems, while a large share of users across Tier 2–6 markets still depends on assisted financial access. The gap between digital scale and trust infrastructure is precisely the layer TimePe is built to occupy. We share detailed market sizing and segmentation in the investor deck.

04 — Business Model

How TimePe Intends to Earn

Platform & API Usage

Usage-based economics across payments, banking and insurance journeys on shared infrastructure.

Intelligence Services

Risk, fraud and compliance intelligence for banks, NBFCs, insurers and FinTechs.

Ecosystem Partnerships

Distribution and co-build partnerships with institutions serving Bharat's last mile.

Intended revenue model — being refined as the platform matures.

05 — Competitive Advantage

Built Different. Built for Bharat.

Unified vs Point Solutions

One decisioning framework across payments, banking and insurance — instead of fragmented tools per service.

Compounding Intelligence

Every journey improves the risk and fraud intelligence that protects the next one.

Grassroots to DeepTech

Founding experience that spans BC networks, Aadhaar ecosystem work and CSC last-mile delivery through to AI/ML engineering.

Compliance-First Architecture

Regulatory readiness is a structural property of the platform, lowering the cost of trust for every partner.

Chapter 14 — Foundations

From Idea to Institutional Validation.

Building with strong institutional foundations.

IIT Ropar Technology Business Incubator Foundation logo

IIT Ropar

Technology Business Incubator Foundation

Incubated
IIT Patna Incubation Centre logo

IIT Patna

Incubation Centre

Pre-Incubated / Prototype Grant
STPI EmTek Centre of Entrepreneurship logo

STPI EmTek

Centre of Entrepreneurship

Incubated / Prototype Grant

Institutional logos are displayed only where legally permitted. We do not claim partnerships, investors, customers or certifications beyond those listed here.

06 — Roadmap

From Infrastructure to Ecosystem

Phase 1

Underway

Foundation

  • Prototype
  • Architecture
  • Validation
  • Incubation

Phase 2

Planned

Infrastructure

  • Banking integrations
  • Payment integrations
  • Risk Engine
  • Compliance systems

Phase 3

Planned

Scale

  • Agent network
  • Institutional partnerships
  • Geographic expansion

Phase 4

Planned

Intelligence

  • Advanced AI
  • Fraud intelligence
  • Risk intelligence
  • RegTech

Phase 5

Future

Ecosystem

  • Payments
  • Banking
  • Insurance
  • Commerce
  • Logistics
  • Cross-border opportunities

Future phases describe planned capabilities and are subject to change as the platform matures.

07 — Funding / Use of Funds

Where Capital Goes

Engineering & AI

Core platform, intelligence layer and security engineering.

Security & Compliance

Audits, certifications, regulatory alignment and privacy infrastructure.

Distribution & Partnerships

Agent network, institutional integrations and ecosystem development.

Operations & Governance

Team, processes and institutional-grade governance.

Indicative allocation areas; the detailed breakdown is shared in the investor deck.

08 — Team

Built From the Ground Up.

Satyajeet Kumar, Founder, Director & CEO of Avyagrah Tech Innovations

Satyajeet Kumar

Founder, Director & CEO

FinTechBankingFinancial InclusionDigital Public Infrastructure

Satyajeet brings over 7 years of hands-on experience across FinTech, banking, financial inclusion and Digital Public Infrastructure. His experience includes serving as a Business Correspondent with Bank of Baroda and as a VLE with CSC e-Governance / Digital India, along with experience within the UIDAI Aadhaar ecosystem. He has developed domain expertise across UPI, AEPS, BBPS, DMT, agent networks, KYC/AML and compliance, and has participated in large-scale government projects and citizen-service initiatives. This combination of banking, FinTech and grassroots execution gives him a practical understanding of Bharat's financial ecosystem—from customers and agents to banking operations, digital infrastructure and compliance, forming the foundation for building TimePe.

Aeligeti Sreekar, Co-Founder, Director & CTO of Avyagrah Tech Innovations

Aeligeti Sreekar

Co-Founder, Director & CTO

AI/MLRisk IntelligenceGenerative AIFinancial Technology

Sreekar leads the technology and AI direction behind TimePe. With a foundation in Computer Science and AI/ML, his expertise spans AI/ML engineering, intelligent identity and risk-detection systems, Generative AI, LLMs, RAG, fine-tuning, Python and FastAPI. He focuses on translating advanced AI capabilities into scalable, production-oriented financial technology, developing intelligent systems that can support TimePe's risk intelligence, fraud prevention and financial infrastructure. His role bridges AI research, engineering and product execution, helping transform TimePe's technology vision into practical, scalable solutions for digital finance.

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