FinBox
FinBox is a Bengaluru-headquartered B2B SaaS company that builds API-first credit-infrastructure software — including decisioning, bank-statement analytics, device risk scoring, loan origination and AI lending agents — for banks, NBFCs, fintechs and digital platforms.
- Company typePrivate
- Founded2015
- HeadquartersBangalore, India
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What FinBox does
FinBox, legally Moshpit Technologies Pvt. Ltd., is a Bengaluru-headquartered B2B SaaS company founded in 2015 that builds API-first credit infrastructure for banks, NBFCs, fintechs and digital platforms in India. Its product suite spans the full digital lending lifecycle: Sentinel AI for credit decisioning, BankConnect for bank statement analytics, DeviceConnect for device and behavioural risk scoring, Superflows for KYC/KYB verification, a Loan Origination System, Multi-AA orchestration across India's Account Aggregator framework, AA-based Customer Data Platform, Prism for partnership/embedded lending, a DPI layer integrating ULI and ONDC rails, and the more recent Atlas AI-native lending suite plus Journey Studio no-code environment. The architecture is modular and plug-and-play, with ~2,000 integrations and 500+ systems integrators enabling lenders to embed FinBox components into existing LOS, CRM and core banking environments rather than replace them.
The business model is enterprise SaaS with quote-based pricing (no public price list) sold primarily through direct enterprise sales to financial institutions; revenue is generated through subscriptions plus usage-based API consumption per decision/transaction, with additional transaction fees on partnership/embedded lending flows facilitated via Partnership Lending Stack 2.0. The company reports cumulative facilitated lending of approximately $3.6 billion across 20 million+ individuals and 130+ financial institutions, holds ISO 27001:2013, SOC 2 Type II and Cert-IN Safe-To-Host certifications, and is expanding internationally into Vietnam, Indonesia and the Philippines following a $15 million Series A (June 2022) and a $40 million Series B (September 2025). AI is positioned as the next revenue catalyst, with management indicating Atlas and AI infrastructure services are projected to be a primary driver through FY27 and Atlas expected to contribute approximately 30% of revenue.
FinBox firmographics
Firmographics- Name
- FinBox
- Legal name
- Moshpit Technologies Pvt. Ltd.
- Website
- https://finbox.in
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- FinBox is a Bengaluru-headquartered B2B SaaS company that builds API-first credit-infrastructure software — including decisioning, bank-statement analytics, device risk scoring, loan origination and AI lending agents — for banks, NBFCs, fintechs and digital platforms.
- Ownership category
- akta.pro rank
Where FinBox is headquartered
LocationHeadquarters
- HQ city
- Bangalore
- HQ country
- India
- HQ region
- Asia
Markets served
FinBox business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS / API Platform Subscriptions: B2B SaaS revenue from financial institutions (banks, NBFCs, fintechs, digital platforms) consuming the modular FinBox credit infrastructure stack — Sentinel, BankConnect, DeviceConnect, LOS, Superflows, Multi-AA, Journey Studio, Prism.
- Usage-Based API Consumption: Per-transaction / per-decision / per-API-call revenue typical of credit decisioning and risk intelligence APIs; AI infrastructure services are projected to be a primary revenue catalyst through FY27 with Atlas expected to contribute ~30% of revenue.
- Data Platform / Risk Intelligence Services: Revenue from data products and risk intelligence services, including the AA-based Customer Data Platform (CDP) used for underwriting, early warning systems, portfolio monitoring and cross-selling use cases.
- Embedded Finance / Partnership Lending Stack: Revenue from FinBox Prism and Partnership Lending Stack — a marketplace enabling lenders to integrate with digital platforms and loan service providers for embedded credit distribution; supports monthly disbursals of ₹250 crore via Partnership Lending Stack 2.0.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Quote-based enterprise pricing (not publicly disclosed) |
Go-to-market motion4 records
FinBox product offering
Product offeringCore offering
FinBox provides an API-first, modular credit infrastructure stack that enables banks, NBFCs, fintechs and digital platforms to launch, embed, and scale digital lending products. The offering spans onboarding, AI-powered credit decisioning (Sentinel AI), bank statement analytics (BankConnect), device-data underwriting (DeviceConnect), KYC/KYB verification (Superflows), loan origination (LOS), multi-account aggregator orchestration, and embedded finance distribution (Prism, DPI rails). Cumulative lending volume facilitated reached approximately $3.6 billion across 100+ financial institutions and 20 million+ individuals.
Product overview
FinBox offers a platform-plus-modules architecture positioned as 'The Operating System for Digital Lending.' The core platform unifies multiple product modules including Sentinel AI (AI-powered credit decisioning engine), DeviceConnect (device-data underwriting), BankConnect (bank statement analysis), Superflows (KYC/KYB verification), LOS (loan origination), Multi-AA (Account Aggregator orchestration), Digital Onboarding, Prism (embedded finance marketplace), and DPI (ULI/ONDC rails). Recent additions include the Atlas AI-native lending infrastructure suite (with Atlas Flow for conversational AI and Atlas Origin for document validation), Journey Studio (no-code product launch platform), and the AA Customer Data Platform. Together these modules enable banks, NBFCs, fintechs, and platform businesses to launch, embed, and scale lending products with end-to-end credit infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- Atlas: AI-native lending infrastructure suite launched in May 2026 reducing loan processing timelines from three weeks to 24 hours. Includes Atlas Flow (conversational AI onboarding) and Atlas Origin (first-time-right secured lending documents). Deployed across five financial institutions.
- Sentinel (Sentinel AI)
- BankConnect
- DeviceConnect
- Superflows
- Journey Studio
- Prism
Products and services
- FinBox Digital Lending Operating System API-first, modular operating system for digital lending that lets banks, NBFCs, fintechs, and platform businesses launch, embed and scale lending products across onboarding, underwriting, risk intelligence and embedded finance rails.
- Sentinel AI AI-powered credit decisioning platform for risk teams with no-code policy builder, shadow testing, champion/challenger mode, fraud detection, AI Copilot, and Model Context Protocol support for conversational credit decisions.
- DeviceConnect Device-data-driven risk engine for digital underwriting that produces the FinBox Inclusion Score (FIS) and supports real-time fraud detection, behavioral analysis, and underwriting for new-to-credit borrowers.
- BankConnect AI-driven bank statement analyzer that detects income, expenses, obligations and merchant category spends to build customer profiles for underwriting and improved conversions, with built-in Account Aggregator integration.
- Superflows Verification suite for end-to-end KYC, KYB, creditworthiness assessment and compliance checks, integrating EPFO employment/income verification, digital identity, address intelligence, and OCR/extraction.
- LOS (Loan Origination Software) Loan origination software platform that unifies credit, verification, RCU, and disbursement teams with tools across the loan origination lifecycle, including a drag-and-drop Journey Builder and Loan Simulator.
- Multi-AA (Multi Account Aggregator) Orchestration platform that provides real-time, consent-based access to financial data across multiple Account Aggregators with intelligent switching for uptime, supporting onboarding, verification and underwriting workflows.
- Digital Onboarding Omnichannel onboarding platform that delivers tailored customer journeys across mobile, web, branch and partner networks with pre-built LOS, identity verification and CRM integrations.
- KYC (Identity Verification) Identity verification module for KYC compliance integrated into the FinBox product suite, supporting digital customer verification and onboarding flows.
- Prism Marketplace for sustainable embedded credit partnerships that connects lenders and originators with pre-built journeys, orchestration, LOS, policy engine, fraud analytics, and data platforms pre-integrated.
- DPI (Digital Public Infrastructure) Digital public infrastructure stack providing ULI and ONDC rails to enable lenders to launch credit products via open platforms, combining product build, distribution and risk intelligence across 50+ data sources.
- AA Customer Data Platform (AA CDP) Account Aggregator-based Customer Data Platform for banks and NBFCs that unifies fragmented customer data from multiple sources, enabling real-time insights for underwriting, early warning systems, portfolio monitoring, and cross-selling.
- CollectX Early warning and intelligence system for debt collection that monitors real-time financial activities of borrowers, segments them by default risk, and aligns communication efforts to improve collection rates.
- Embedded Finance Stack Distribution and partnership stack that enables platforms to launch credit products in days with a ready ecosystem of partners, technological orchestration, and pre-built journeys across BNPL, term loans, overdraft, EDI and more.
- Atlas (AI-native lending infrastructure) AI-native lending infrastructure suite that compresses loan processing timelines from three weeks to 24 hours using AI agents for borrower onboarding, document validation and operational decision-making, comprising Atlas Flow (conversational AI onboarding) and Atlas Origin (first-time-right secured lending documents).
- Journey Studio No-code platform that enables lenders to deploy digital credit products in three days using AI-driven tools, allowing business teams to design, test and iterate lending journeys independently.
- Partnership Lending Stack 2.0 End-to-end partnership lending stack launched to enable banks, NBFCs and financial institutions to streamline partnership-driven lending and embedded credit product launches via a unified control plane.
Companies that use FinBox
Customer profileIdeal customer profiles2 records
FinBox technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability16 records
Feature9 records
FinBox partnerships and signals
Strategic signalRecent moves7 records
Expansion highlights7 records
FinBox competitors and assessment
Company assessmentDirect peers
- Perfios: Perfios is the closest direct competitor to FinBox in India, offering a comparable stack of credit decisioning, bank statement analytics (Perfios CAMSPay/Insight), fraud detection, and loan origination infrastructure to banks and NBFCs. Both compete head-to-head for the same enterprise credit infrastructure wallet at large Indian financial institutions.
- Signzy: Signzy provides a digital onboarding, KYC, KYB, and video KYC platform for banks, NBFCs, and fintechs in India, overlapping directly with FinBox's Superflows, Digital Onboarding, and identity verification products. Both serve the same buyer (heads of credit/risk at financial institutions) with API-first verification and onboarding infrastructure.
- IDfy: IDfy is an Indian identity verification and background check SaaS provider serving banks, NBFCs, and fintechs with KYC, KYB, employee verification, and fraud detection. It overlaps with FinBox's Superflows and Digital Onboarding modules and competes for similar enterprise verification infrastructure budgets.
- Setu (Pine Labs): Setu, a Pine Labs-owned fintech API platform, offers Account Aggregator orchestration, credit, payments, and identity APIs for Indian financial institutions and consumer platforms. It directly competes with FinBox's Multi-AA orchestration, ULI/ONDC rails, and embedded credit distribution via Partnership Lending Stack.
- Karza Technologies: Karza Technologies provides data, verification, and due diligence APIs (KYC, credit, GST, property, fraud) to Indian banks, NBFCs, and fintechs. It competes with FinBox's Superflows verification suite and parts of BankConnect for lender underwriting workflows.
Emerging players
- CreditMantri: CreditMantri is an Indian credit health and lending platform serving consumers and lending partners with credit profile analytics and underwriting APIs. It overlaps with FinBox's credit decisioning and bank-statement analytics on a more consumer-facing and SMB-lender focused segment.
- M2P Fintech: M2P Fintech (parent of CreditVidya) provides core banking, lending, and credit decisioning infrastructure to banks, NBFCs, and fintechs in India. It competes with FinBox on AI-driven underwriting, decision management, and embedded credit infrastructure, having acquired CreditVidya's consumer credit underwriting capability.
Broad incumbents
- Newgen Software: Newgen Software is an established Indian enterprise software vendor providing content services, BPM, and loan origination (LOS) platforms to global banks and insurers. It competes with FinBox's LOS product at the larger incumbent bank segment with broader digital transformation mandates.
- Plaid: Plaid is a global open-banking and account aggregation infrastructure player that could localize into India's Digital Public Infrastructure (AA/ULI) and compete with FinBox's Multi-AA and DPI rails for cross-border lender and fintech use cases.
- Yodlee (Envestnet): Yodlee, owned by Envestnet, is a global financial data aggregation and analytics platform serving wealth, lending, and digital banking. It overlaps with FinBox's bank statement analytics (BankConnect) and data platform capabilities, particularly for multinational banks operating in India.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
FinBox social profiles
Digital presenceFinBox financial estimates
Financial estimateRevenue estimate
Valuation estimate
FinBox leadership team
Management profileNumber of profiles
Profiles3 records
FinBox funding detail
Funding detailFunding overview
Funding rounds4 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FinBox M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FinBox
What does FinBox do?
FinBox provides an API-first, modular credit infrastructure stack that enables banks, NBFCs, fintechs and digital platforms to launch, embed, and scale digital lending products. The offering spans onboarding, AI-powered credit decisioning (Sentinel AI), bank statement analytics (BankConnect), device-data underwriting (DeviceConnect), KYC/KYB verification (Superflows), loan origination (LOS), multi-account aggregator orchestration, and embedded finance distribution (Prism, DPI rails). Cumulative lending volume facilitated reached approximately $3.6 billion across 100+ financial institutions and 20 million+ individuals.
Is FinBox a public or private company?
FinBox is a private company. It is classified as venture growth investor backed and is currently operating.
When was FinBox founded?
FinBox was founded in 2015. It employs 101 to 250 people.
Where is FinBox based?
FinBox is headquartered in Bangalore, India, in the Asia region.
How does FinBox make money?
Four revenue lines are on record. SaaS / API Platform Subscriptions are the primary driver. The others are usage-Based API Consumption, data Platform / Risk Intelligence Services and embedded Finance / Partnership Lending Stack.
Who are FinBox's main competitors?
Direct peers on record are Perfios, Signzy, IDfy, Setu (Pine Labs) and Karza Technologies. Emerging players are CreditMantri and M2P Fintech. Broad incumbents are Newgen Software, Plaid and Yodlee (Envestnet).
Does FinBox have an API?
Yes. FinBox offers a suite of REST-based, API-first products for digital lending. Developers can use APIs to integrate credit decisioning (Sentinel AI), bank statement analysis (BankConnect), device-based underwriting (DeviceConnect), KYC/KYB verification (Superflows), loan origination (LOS), Account Aggregator orchestration (Multi-AA), and digital public infrastructure (ULI/ONDC). The platform supports API-based, modular products designed for integration into digital lending programs. APIs are documented and include features like AI Copilot for querying CRM data (e.g., Salesforce). Integration options include redirect (1 week), API + redirect (2 weeks), and full API integrations (3-4 weeks). Developer documentation is at www.finbox.in/contact-us.