About the Customer
Our client is a leading E-wallet provider in India, operating at the forefront of the digital payments revolution. In a country where mobile and internet usage is rapidly increasing, but credit card penetration still hovers around just 4%, the company recognized a significant opportunity to empower millions of users with a more accessible and secure way to pay. What began as a digital wallet offering has evolved into a comprehensive payments ecosystem serving users across urban and rural India.
With over 50 million registered users and a merchant network that includes more than 1 million partners ranging from e-commerce platforms and physical retailers to utility and bill payment services the company has become a trusted name in India’s financial technology space. Their commitment to frictionless, real-time digital transactions has made them a go-to platform for individuals and businesses alike seeking convenience, speed, and transparency in payments.
At the heart of their operations lies a robust, technology-first approach. The company leverages advanced big data analytics and deep data science methodologies, including machine learning models, to understand user behavior, improve fraud detection, and personalize payment experiences. These capabilities have helped them stay ahead in a competitive and fast-changing market, while consistently enhancing user satisfaction and merchant engagement.
Their mission is clear and ambitious to build a world-class digital payments infrastructure that not only matches global standards but also addresses the unique needs of the Indian economy. With a user-centric product mindset, scalable technology backbone, and a data-driven innovation culture, the company continues to set benchmarks in how modern financial services are delivered across emerging markets.
Project Overview
As a fast-growing fintech leader in India with over 50 million users, our client sought to expand beyond conventional digital payments by launching a specialized crowdfunding platform. The objective was to empower individuals especially those underserved by traditional finance to raise funds for personal or community needs. With a tech-first approach at the core of their vision, the company aimed to create a seamless peer-to-peer gifting experience that aligns with its broader mission of financial inclusion and digital empowerment.
The project focused on building a secure, scalable, and feature-rich crowdfunding solution integrated with the existing E-Wallet ecosystem. A key highlight was the implementation of a board-based reward structure to incentivize contributions, alongside end-to-end automation for fund movement and user tracking. The platform was designed to offer full transparency, robust fraud prevention, and ease of use, ensuring that users could access and manage financial support with confidence and clarity.
Purpose
The core purpose of our client’s platform is to simplify how Indians experience digital payments both online and offline. In a country where financial inclusion is still evolving, they are committed to bridging the gap between modern fintech tools and underserved populations. By offering a scalable E-Wallet solution that is easy to use, fast, and secure, the company aims to transform routine transactions into seamless, cashless experiences.
Their vision goes beyond just payments. The company is driven to lead India’s digital payments revolution by creating inclusive and intelligent financial tools that serve individuals, families, and businesses alike. They understand the diverse needs of their user base and continue to invest in solutions that provide real value, security, and accessibility especially for those without access to credit cards or traditional banking infrastructure.
With a mission rooted in innovation and user empowerment, the company leverages big data and machine learning to optimize payment experiences and drive smarter financial decisions. Their platform enables users to send, receive, and manage funds with confidence making financial support, gifting, and daily transactions easier than ever. As a trusted fintech name with 50 million users and a rapidly expanding partner network, their purpose is clear: to make digital finance work for everyone.
Your Business Could Be the Next Success Story
We turn complex challenges into scalable digital solutions.
Let’s talk about how we can solve yours.
Business Challenge
Despite their strong foothold in India’s digital payments space, the client faced several key challenges while venturing into the crowdfunding domain. The primary hurdle was designing a peer-to-peer gifting platform that could integrate seamlessly with their existing E-Wallet system while maintaining the highest levels of security and compliance. Ensuring smooth fund flow, user identity verification, and transaction traceability especially in a model that involved non-traditional financial use cases required a robust architectural approach.
Another significant challenge was developing a board-based reward system that could automate user placements, gifting cycles, and reward triggers. This involved managing complex user hierarchies and ensuring transparency and fairness at each level, without compromising on user experience or operational efficiency. Balancing gamification with financial accountability added further complexity to the project.
Lastly, scalability was a critical concern. With a massive and fast-growing user base, the platform needed to handle high-volume transactions, peak loads, and varied user behaviors without performance drops. Ensuring system stability, fraud prevention, and real-time processing in such an environment demanded a deeply resilient backend infrastructure and intelligent data processing mechanisms.
Our Solution
To address the client’s unique needs and ambitious vision, Inexture partnered closely with their team to design and develop a custom crowdfunding platform tailored for scale, transparency, and user empowerment. The goal was to deliver a seamless, end-to-end digital experience built on secure architecture and intelligent automation.
Our engineering team first developed a proprietary board-based placement engine that dynamically manages user flows, reward cycles, and payout eligibility. This system ensures that each user is accurately positioned in real time, eliminating manual intervention and reducing processing errors. The algorithm-driven logic was built to support a multi-level structure, making the entire reward mechanism predictable, fair, and fully automated.
We also built a secure, feature-rich E-Wallet system to handle user balances, transaction histories, and withdrawal processes. Integrated with leading payment gateways, the system supports real-time money transfers to user-preferred financial accounts, ensuring compliance, traceability, and a smooth transaction experience even at scale. This robust wallet framework allowed users to manage their funds confidently, with instant tracking and minimal friction.
To enhance community interaction, we introduced a chat-based user collaboration module. This feature enabled users to engage with one another, build trust, and foster a sense of transparency and social connection within the platform. Additionally, our use of modular architecture allowed the platform to grow effortlessly alongside the user base. Every module from transaction processing to user management was optimized for performance, making the system highly resilient and adaptable to increasing loads and future feature expansions.
The Vote Vista App provides the audience with a range of customizable action cards. These action cards serve as interactive elements that the audience can engage with during a campaign. They can be tailored to suit the specific needs and objectives of each campaign, allowing for a high degree of flexibility and personalization.
Conclusion
Inexture successfully turned the client’s vision of a tech-driven crowdfunding platform into a reality delivering a secure, scalable, and user-friendly solution tailored for India’s growing digital finance ecosystem. Through a combination of automated board logic, a powerful E-Wallet system, and seamless payment gateway integrations, we enabled real-time peer-to-peer financial support with complete transparency.
Our strategic use of modular architecture and collaborative features has positioned the platform as more than just a transactional tool it’s now a community-driven financial ecosystem. By aligning with the client’s mission of digital inclusion and financial empowerment, Inexture has helped create a fintech product that’s built for scale, security, and meaningful impact in the lives of everyday users.
Project Name
Crowed Funding
Category
Fintech Solutions
Technology Stack
- Java
- JavaScript
- Spring Boot
- Spring Security
- Hibernate
- React JS
- Maven
- MySQL
Industry
Fintech
