S. Anand of PaySprint on Embedded Finance, RegTech Infrastructure, and Powering Digital Banking for Bharat

StartupTalky presents Recap'25, a series of exclusive interviews where we connect with founders and industry leaders to reflect on their journey in 2025 and discuss their vision for the future.

In this edition of Recap’25, StartupTalky speaks with S. Anand, Founder & CEO of PaySprint, who reflects on how 2025 marked a shift from fintech as an app layer to fintech as core infrastructure. As businesses increasingly sought to embed regulated financial services directly into their products, the demand grew for API-led platforms that could handle payments, compliance, onboarding, and verification with equal emphasis on speed and regulatory alignment.

Anand shares how PaySprint evolved into an end-to-end banking and RegTech infrastructure partner, helping enterprises and fintechs decouple financial operations from legacy systems while maintaining secure, compliant money flows. The conversation explores the industry’s transition toward embedded finance, rising expectations around compliance automation, and how AI is being used to improve onboarding, risk detection, and operational resilience.

StartupTalky: Can you briefly introduce PaySprint and the core financial services your platform provides?

S. Anand: PaySprint is a B2B Banking FinTech and RegTech infrastructure company focused on building the digital financial rails for Bharat. We enable businesses, fintechs, and financial institutions to manage collections, payouts, verification, onboarding, and compliance through API-led platforms. Our core offerings include:

• SprintNXT for business banking and payments
• SprintVerify for KYC, KYB, and compliance
• SprintOPN for banking and payment APIs
• SprintEscrow and SprintExCode for secure, regulated transaction control We aim to simplify financial complexity while ensuring scale and compliance.

StartupTalky: How did PaySprint evolve in 2025 in terms of product offerings, adoption, and strategic milestones?

S. Anand: 2025 was transformational for us. It was the year we shifted from product build to product scale. We strengthened our platform with AI-assisted onboarding, automated compliance checks, and richer bank partnerships.

From a GTM perspective, we saw significant uptake from enterprises looking to embed regulated financial services directly into their offerings, signaling a shift from point solutions to infrastructure partnerships. A major milestone was closing our Series A funding, which has accelerated our ability to innovate, invest in talent, and deepen integrations with banks and payments ecosystems.

StartupTalky: What unique value or competitive advantage (USP) does PaySprint offer to businesses?

S. Anand: What sets PaySprint apart isn’t one product; it’s the fact that we operate as an end-to-end banking and RegTech infrastructure partner, not just a payments vendor.

• We help businesses decouple financial operations from legacy systems.
• We enable regulated money flows through secure, compliant rails.
• Businesses gain flexibility without compromising on control or oversight. This is especially important in 2025–26, where compliance expectations are rising and precision matters as much as speed.

StartupTalky: Which key metrics do you track most closely to measure growth, customer engagement, and product success?

S. Anand: In a platform-first business like ours, a mix of usage, resilience, and trust metrics truly reflects success:

• API call volumes and adoption growth, which show developer and enterprise traction.
• Transaction success and uptime, as reliability is non-negotiable.
• Onboarding efficiency and compliance accuracy, since ease of integration drives conversions.
• Retention and expansion among customers, as long-term use underscores real value.

StartupTalky: The payments and fintech sector is rapidly changing. What major industry shifts did you observe in 2025, and how did PaySprint adapt?

S. Anand: 2025 was the year fintech matured. We saw three big shifts:

• Embedded finance went mainstream. Businesses wanted banking and compliance woven into their core workflows, not as add-ons.
• Compliance moved from being a checkbox to a strategic enabler. Regulators emphasized risk, safety, and data integrity, and businesses followed suit.
• APIs became the lingua franca of innovation. Fintech stopped being about apps alone and began to be about infrastructure. At PaySprint, we leaned into these shifts by strengthening our RegTech capabilities, automating risk workflow,s and positioning ourselves as infrastructure partners, not just payment service providers.

StartupTalky: How is PaySprint leveraging technology or AI to improve payments, security, or customer experience?

S. Anand: AI and automation are central to our approach, especially in areas where nuance and speed matter:

• Automated onboarding and identity verification reduce friction for developers and end users.
• AI-led anomaly detection and risk scoring enhance security in real time.
• Predictive insights and health checks help customers proactively manage issues before they surface. Rather than use AI as a buzzword, we focus on practical, measurable impact, lowering time-to-value, improving safety, and elevating user trust.

StartupTalky: Looking ahead to 2026 and beyond, what opportunities do you see for fintech growth in India, and how is PaySprint positioning itself to capture them?

S. Anand: India’s fintech story is still unfolding. In 2026, the boundary between technology and financial services will blur further, and three areas excite us the most:

• Integrated compliance and risk automation - built into the fabric of business operations.
• Embedded finance across non-financial sectors - where every commerce or services company becomes a financial orchestrator.
• Data-driven financial experiences - powered by AI and real-time insights, not batch reporting. PaySprint is positioning itself as the infrastructure engine behind these trends - helping businesses embed trusted financial services at scale while preserving speed, agility, and regulatory alignment.

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