The Tech Panda takes a look at recent tech launches.
Fintech: A Credit Intelligence Tool to Help Consumers Understand & Improve Their Credit Health
As part of its continued commitment to promoting responsible borrowing and informed financial decision-making, Fibe, a digital lending platform, today announced the launch of Credit AI Radar (CAIR). The AI-powered credit intelligence and management platform aims to go beyond the traditional credit score to help users better understand, manage and improve their credit health, and is available on our website.
Balakrishnan Narayanan, Chief Product & Analytics Officer, said, “Responsible borrowing begins with awareness. While a credit score provides a snapshot of an individual’s credit profile, lenders evaluate a much broader set of factors, including repayment behaviour, existing financial commitments, cash flow patterns, and overall credit discipline. Through CAIR, we are leveraging AI to make credit intelligence more accessible by helping users understand the factors shaping their credit profile, identify potential gaps, and take actionable steps towards improving their financial health. By moving beyond a single score and providing personalised insights, CAIR aims to empower individuals to build stronger credit habits and make more informed borrowing decisions.”
FEATURES
- Combines data from multiple credit bureaus with Fibe’s proprietary AI-intelligence system, FibeSense.
- At the centre of the experience is Fiora, CAIR’s AI chatbot. Users can ask Fiora plain-language questions about their score, repayments, or credit habits, such as “What is my 6-month credit trend?”, and receive clear answers without financial jargon, along with visualised trends drawn from their own credit history.
- Fiora is available in Hindi, English, Marathi, Tamil, Telugu and Kannada, making credit guidance accessible across a wide base of Indian users.
- Offers goal-based credit improvement plans and score simulation, allowing users to see how specific actions could affect their score before making financial decisions.
- Tells users if their credit utilisation has crept too high, flags recent hard enquiries on their profile, and shows them exactly what to fix and in what order.
- Draws on data shared with explicit customer consent, consistent with Fibe’s data privacy practices.
Fintech: 4 new digital platforms to improve transparency, operational efficiency, UX & domain security
The National Internet Exchange of India (NIXI), a not-for-profit organisation under the Ministry of Electronics and Information Technology (MeitY), Government of India, as part of its 23rd Foundation Day, launched four new digital platforms aimed at improving transparency, operational efficiency, user experience, and domain security across India’s internet ecosystem. These include, IX Portal, myIRINN Portal, .IN Auction Portal, and AI-Powered WHOIS Screening Platform.
FEATURES
- IX Portal – A unified platform to simplify Internet Exchange services
- myIRINN Portal – A self-service platform for IP address and Autonomous System Number management
- .IN Auction Portal – A transparent platform for the allocation of premium .IN domain names
- AI-Powered WHOIS Screening Platform – An AI-enabled system designed to identify suspicious websites and strengthen the security of India’s .IN domain ecosystem
Fintech: A Forex Card Distribution Platform to Expand India’s Forex Distribution Ecosystem
WSFx Global Pay Ltd (GlobalPay) (BSE: 511147), the Indian platform in global payments, foreign exchange, and cross-border payments, launched GlobalPay Connect, a Forex Card Distribution Platform, a strategic partner initiative that enables RBI-authorized forex businesses to become Authorized GlobalPay Forex Card Distributors. Through the platform, partners can offer secure, multi-currency forex card solutions to their customers while unlocking new business and revenue opportunities.
Srikrishna Narasimhan, CEO & Whole-Time Director, GlobalPay, said: “At GlobalPay, we have spent over four decades building trust and expertise in India’s foreign exchange ecosystem. The launch of GlobalPay Connect, our Forex Card Distribution Platform, represents an important strategic milestone as we expand from being a forex card issuer to creating a wider distribution network through trusted partners. We believe that institutions with the right regulatory credentials and customer reach deserve access to a robust, compliant, and scalable forex solution that enables them to grow alongside us.
“Through this initiative, we are not only expanding access to secure multi-currency forex cards across the country but also empowering our partners with the tools, support, and expertise required to build a sustainable and profitable business. As cross-border travel, education, and global mobility continue to grow, we remain committed to strengthening India’s forex ecosystem through collaboration, innovation, and long-term partnerships.”
FEATURES
- GlobalPay Connect is open to Authorized Dealer Category-II (AD II) Forex Dealers, Full-Fledged Money Changers (FFMCs), and Banks, enabling them to offer GlobalPay’s secure multi-currency forex cards as part of their product portfolio.
- Supporting 30 currencies, accepted in 180+ countries, and equipped with Tap & Pay functionality and seamless load/reload through the GlobalPay App (India’s First Global Payments & Transit App), the card provides a convenient and secure payment solution for global travellers.
- The platform has been designed to help partners accelerate business growth while delivering a superior forex experience to travellers, students, corporates, and international remitters.
Crypto: Cross-Asset Unified Account to Unlock Capital Efficiency Across Crypto & Tokenized Stocks
Bitget, the Universal Exchange (UEX), launched the industry’s first Cross-Asset Unified Account (UTA), bringing more than 370 eligible assets including 100 US stock tokens (rTokens) into a single margin pool. The launch extends unified margin beyond crypto, allowing tokenized equities to function alongside digital assets within one account.
“Bringing stocks onchain is the first step but the real breakthrough comes when those assets can work with the same flexibility as crypto,” said Gracy Chen, CEO of Bitget. “Capital efficiency is one of the principles behind UEX, and the Cross-Asset UTA puts that idea into practice. A stock position should be able to hold value, support another trade, or unlock liquidity instead of sitting in isolation.”
FEATURES
- Extends the framework beyond cryptocurrencies, bringing tokenized US stocks and other real-world assets into the same unified margin system.
- By giving RWAs the same status and utility as crypto, the Cross-Asset Unified Account allows eligible assets across different markets to work together within a single capital framework.
- Eligible rTokens can now serve several purposes simultaneously.
- Users can maintain exposure to the underlying US equities, receive cash dividend distributions where applicable, use rTokens as margin for futures and margin trading, or pledge them as collateral to borrow stablecoins.
- The same asset can support multiple portfolio strategies without requiring users to exit their positions.
- The initial rollout supports 100 tokenized US equities spanning leading US-listed companies, including rAAPL, rAMZN, rMETA, rTSLA, rGOOGL, rNVDA, rMSFT, rQQQ, rSPY, rJPM, rWMT, rV, and rMSTR, among others.
- Eligible collateral receives discount rates of up to 95%, subject to asset-specific tiers and holding size.
- Borrowing rates remain market-based and update hourly according to supply and demand.
Fintech: Gift City’s First Physical Commodity Fund & the First Gold Fund Authorised by IFSCA in Gift City
Artha Bharat Investment Managers IFSC LLP, a fund management entity in India’s premier financial hub, has debuted the Artha Bharat FinMet Physical Gold Fund — the first-ever physical commodity fund — and the first gold fund to be launched from GIFT City. The launch of the fund follows IFSCA’s formal notification of commodity trading as a financial product under the IFSCA Act, effective January 2026. This landmark launch will create a new milestone following the enabling regulatory framework created by the GIFT City regulator.
“We are grateful to the International Financial Services Authority for working with the industry to develop a robust regulatory framework that rewards and encourages innovation in product offering that will help establish GIFT City as the preeminent IFSC of the region,” said Sachin Sawrikar, Managing Partner, Artha Bharat Investment Managers IFSC LLP.
FEATURES
- The open-ended, passively managed fund is launched in partnership with Singapore-based precious metals specialist FinMet, who serves as the investment advisor.
- The scheme is designed to track international spot gold prices with minimal tracking error, allocating at least 95% of its assets to London Bullion Association (LBMA) standard gold bars traded on the GIFT City headquartered India International Bullion Exchange (IIBX). IIBX is a JV of NSE, NSDL, CDSL, MCX and a BSE subsidiary.
- The fund offers weekly subscriptions and redemptions, providing investors with liquidity rarely available in physical commodity-based fund structures.
- The Artha Bharat FinMet Physical Gold Fund also has a highly competitive total expense ratio (TER) of 0.65% per annum.
- Near Zero Correlation: A 0.02 correlation factor with the S&P 500.
- No Counterparty Risk: The only international reserve asset free from sovereign credit risk or sanctions exposure.
- Competitive Returns: Gold compounded at 12.1% p.a. since 2001, outperforming the S&P 500’s 10.4% total return over the same period.
- By utilizing IIDI-insured, IFSCA-regulated vaults, the fund offers “strategic diversification” through segregated storage independent of Western custodian networks.
