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Re:Launch HN: Decentro (YC S20) – APIs for Banking Integrati... by ignoramous on Tuesday October 27, 2020 @09:57AM (#24907448)
This is great. There's so much potential in this market. Congratulations on the launch! I remember another YC-backed Indian startup https://authlayer.com which started out doing what Decentro is doing, but it seems like they've morphed into a DeFi startup. Anyways...

> Our first customer categories are SMB focused neo-banks and B2B marketplaces in the country that are looking to adopt banking APIs and digitize their money flow and customer lifecycle.

1. Can you please share some examples of things they've built or link to their apps, if possible?

2. Btw, unless I missed something, the website is pretty sparse on any details whatsoever. What's the pricing structure, for example?

3. I am guessing the largest part of your work involves compliance with regulations, is that out of the way already?

4. Do you have SDKs for web and mobile (iOS and Android) or are the APIs raw HTTPS/REST?

5. I'm curious about the regulatory hurdles you faced building such a system for the SAARC/ASEAN market. Any strange ones that stand-out and worth a mention?

6. A bit about your technical stack, please? Back-end, front-end, authentication / security etc;

7. Curious: Are you also participating / participated in Zerodha's incubator https://rainmatter.com (it has almost become a rite of passage for Indian fintech startups)?

Thanks.

PS for anyone who blocks tracking domains including url shorteners (like bit.ly), here's the actual url: https://decentro.tech/

Re:Launch HN: Decentro (YC S20) – APIs for Banking Integrati... by rohittaneja on Wednesday October 28, 2020 @01:43AM (#24915626)
Thanks! Yes, we know the Authlayer (now Zefi) guys very well as fellow founder friends.

1. Sure. Here is one of our case studies with a new Neo-bank that got launched recently in India - https://medium.com/fintech-for-everyone/enabling-the-banking...

2. Yes, that is by design for this early stage as the pricing varies based on the API choice and volumes. Happy to walk you through over a call based on your product/use-case anytime - https://calendly.com/raunak_dembla/introduction-to-decentro?...

3. Absolutely. Our model is always in sync and up to date with regulations, since we work directly with the banks and their compliance teams.

4. Currently, it is all REST APIs but we will roll out web SDKs too at a later point in time.

5. I think one of the points worth mentioning is how in SEA, the money flow works differently than in the Indian scenario. For example, there is no concept of a nodal account in Singapore, unlike India. Of course, now India is also transitioning to an escrow from the nodal altogether.

6. We have shared some details here and will be adding more from time to time - https://decentro.tech/careers. Specifically, there are a couple of layers that we add for encryption, encasing and archival.

7. Interesting mention. We will check it out :)

Cheers.