Decentro Revolutionizes Fintech with Automated API Banking Infrastructure

In the old world of finance, launching a fintech product meant embarking on a "can of worms" journey through the corridors of traditional banks. Integrating with a bank could take anywhere from four to six months of multi-department coordination, security audits, and regulatory red tape. For a fast-moving startup, this friction isn't just an annoyance—it's a potential death sentence.

Enter Rohit Taneja, a serial fintech entrepreneur and Founder of Decentro. After building and exiting his first venture, Mypool, Taneja realized that the biggest bottleneck in the digital economy wasn't consumer demand, but the "banking as a service" infrastructure layer. By breaking down the banking stack into easy-to-consume APIs—much like how AWS broke down server hosting—Decentro is enabling companies to launch financial products in weeks, not months.

From processing $2 billion in annual transaction value to empowering neobanks for teenagers, Taneja’s journey is a blueprint for the future of "Invisible Banking."

The Problem: The Bank Integration "Wall"

Launch a marketplace? You need to collect from buyers and pay out to sellers. Launch a lending app? You need KYC and bank-to-bank transfers. In every case, you hit the same wall: the bank integration process.

"Working with the banks was... an extremely long headline consuming process," Taneja explains. "The banks are very careful on the partners that they choose... rbi can crack down on them anytime they want." This caution leads to a minimum three-month onboarding cycle where startups are poked and prodded on their business models, directors, and funding—only to be restricted to a single bank's legacy systems.

The Solution: The "AWS of Banking"

Decentro acts as a software layer on top of multiple banks, offering a modular, API-first approach to financial infrastructure. Just as a developer picks a database or a domain from AWS, a fintech founder can pick components from Decentro’s stack.

"We have diversified this banking stack and broken it down into components," says Taneja. The platform offers a comprehensive suite of modules:

Implementation: From Marketplaces to Neobanks

The first adopters of Decentro’s "Invisible Banking" were marketplaces—companies that needed to manage complex buyer-seller payment flows. Soon after, the platform became the engine for neobanks like FamPay, which provides financial tools for teenagers.

"Finance is a subject which is not taught in schools... that's something they're solving for these users," Taneja notes. By providing the underlying infrastructure, Decentro allows these startups to focus on the User Experience (UX) and market-specific problems, while Decentro handles the heavy lifting of banking partnerships and scalability.

The Human Side: Resilience and Network

Hiring for a high-stakes infrastructure company requires a specific type of talent. Taneja looks for two key traits: Resilience and Hunger. In an industry where a single bug can halt millions of dollars in transactions, he needs a team that stays cool under pressure.

To find these people, he relies on the "Inbound Effect." "Network is the most powerful thing here... you need to make sure that you create a brand strong enough to attract people, instead of chasing after them." This magnetic brand is built on Decentro's track record of resilience and scalability—two pillars that convince both banks and talent to partner with them.

Future Vision: The Public Road

Taneja’s vision for Decentro is long-term. "In the 5-10 years time, we should most likely be a public company," he says confidently. As the market for embedded finance grows, the demand for standardized infrastructure will only accelerate. Decentro is positioning itself to be the resilient, invisible backbone of India's trillion-dollar digital economy.

Key Takeaways for Fintech Founders

• Solve Your Own Pain: Taneja founded Decentro because he felt the integration "pain" at his previous startup. Real problems lead to real businesses.
• Ecosystem Matters: Don't start in a vacuum. Launch in a city with a strong support ecosystem (like Bangalore, Mumbai, or Delhi) where the infrastructure for growth already exists.
• Standardization is the Product: Your value isn't just the code; it's the fact that your code works consistently across multiple banking partners.
• Say No to the Wrong Growth: In B2B, the demand can sometimes outstrip your bandwidth. It's better to satisfy existing customers deeply than to fail at scale.

As traditional banks increasingly move to the background, becoming providers of "infrastructure as a service," platforms like Decentro are the new face of financial innovation. For Rohit Taneja, the goal is to make banking so simple that it eventually becomes "boring"—a utility that just works, every single time.