Built to be audited — by construction
Modules
Ten production modules. One auth. One data plane.
Every module is multi-tenant from line 1, RLS-isolated at the DB, audit-chained with SHA-256, and rate-limited per tenant.
Banking Core
Account opening, wallet, payments, settlements, payouts. Connected to 14 banks. T+0 settlement, real-time reconciliation, NPCI/UPI rails.
Lending (LMS)
Newgen/Finacle-grade LMS — sanction → disbursal → servicing → bureau reporting → CERSAI. AI extracts, system calculates. Sprint S complete.
DSA + Distribution
Lead Partner network with multi-aggregator routing (Urban Money / Ruloans / Andromeda). Commission cascade per-tenant, ledger-backed.
FINIPE AI
AWS Bedrock cascade Haiku 4.5 → Sonnet 4.6 → Opus 4.7. RAG over 100+ FINIPE knowledge docs, pgvector 1024-dim, daily auto-refresh from RBI/GSTN/MCA.
Integration OS
78 pre-built provider integrations across BBPS, AB Bills, GST, KYC, comms. Add custom providers via JSON template — no code.
White-label Engine
Bring your domain (clientbank.com), upload your logo, customize WhatsApp/email templates, gate features per plan. Live in 24h.
Billing Engine
Phase 5 — multi-currency, 4-pricing-model (flat / tiered / usage / hybrid), subscription lifecycle, invoicing, tax-jurisdiction.
Pen-Test + DPDPA
Sprint Z — self-assessment engine, finding tracker, fix verification, DPDPA section-by-section scoring. Audit-ready output.
API Marketplace
OpenAPI 3.1 spec, sandbox + prod keys, usage analytics, webhook signing. Partners build on FINIPE without our involvement.
How distribution works on FINIPE
From application to settlement — one platform.
Your DSAs, retailers, and partners log into one panel; transactions hit one ledger; commission flows on one schedule.
- 1
Onboard your channel partners
DSAs, retailers, sub-brokers self-onboard with PAN + Aadhaar eKYC + video-KYC. KYC tier auto-set; commission slab assigned.
White-labeled portal
- 2
Channel sources transactions
Loan leads, BBPS payments, wallet top-ups — each transaction tagged to the originating partner.
Real-time
- 3
Commission cascades + settles
Ledger-backed splits at every level (HQ → distributor → retailer). Settlement T+0 or daily batch; full audit trail.
Hash-chained audit
Trusted by
From co-operative banks to fintech VPs
We evaluated 4 stacks for our DSA layer. FINIPE was the only one with a real multi-tenant model where I could see commission splits flowing per partner per state in real time.
White-labeled in 36 hours. My domain, my colors, my email templates. End customers don’t know FINIPE exists — that’s the point.
The audit chain alone won us our compliance review. SHA-256 hashed log of every state change. Pen-test team called it “rare”.
Pricing
Three editions. Talk to us for volume.
Volume discounts kick in above 10K monthly active users. SLA + dedicated infrastructure available on Enterprise.
Distribution
For NBFCs scaling their DSA network.
- Up to 5,000 partners
- White-label domain + branding
- Loan + lead distribution
- Commission ledger + payouts
- Email support
Platform
For lenders, fintechs, and SMB platforms.
- Up to 25,000 partners
- All Distribution features
- Embedded banking + payments
- FINIPE AI (multi-tenant)
- Integration OS (78 providers)
- Phone + Slack support
- 99.9% SLA
Enterprise
For banks, large fintechs, and unique requirements.
- Unlimited partners
- Dedicated tenant infrastructure
- On-prem / private-cloud option
- Custom RBI/SEBI reporting
- Architect + dedicated CSM
- 24×7 phone support
- 99.99% SLA with credits
Hard questions, real answers
Compliance, scale, and exit-paths.
Talk to enterprise sales
30-minute discovery → custom architecture → POC.
Tell us about your distribution model, partner count, and integration needs. We respond within 4 business hours from finipe.com@gmail.com.
Enterprise inquiry
Book a demo with the FINIPE founding team.
Skip the BDR funnel — your message goes directly to the founders’ shared inbox.