“Can Airpay become the full-stack financial OS for MSMEs across India, the Middle East, and Africa by layering lending, payments, and financial inclusion on a single omnichannel platform?”
Airpay started as an omnichannel payments platform in India, targeting MSMEs and the unbanked. Over 11+ years it expanded beyond payment gateway services into a full financial services platform — building an agent network (vyaapaar) for last-mile financial inclusion across 500+ districts. More recently, it has layered on a digital lending arm (airpay.capital) acting as an RBI-registered Lending Service Provider, and has expanded internationally into the UAE and Middle East with working capital financing products, pivoting from pure payments toward an embedded finance platform for SMBs.