Ashwin Bhatnagar

ELI5 ftw, ❤️ payments infra 💸, co-founder at Xflow

[Ashwin Bhatnagar @abhatnagar]

Thanks to @CNBCTV18Live for their coverage: https://t.co/IPjQqQLROF

[Ashwin Bhatnagar @abhatnagar]

We received in-principle PSP approval from IFSCA at @GIFTCity_

This helps us support multi-currency collections, cross-border remittances, merchant acquisition, and more within a framework built for global commerce.

This one means a lot.

[Ashwin Bhatnagar @abhatnagar]

@mukul18_11 @ahmedgagan11 >99% easily! That's because we rely on reliable banking rails to move your money. The rare cases can perhaps arise out of user-side account issues or bank server issues. Which are also reinitiated asap. The number #1 goal is to handle your money & time respectfully.

[Ashwin Bhatnagar @abhatnagar]

If you see @Xflowpay marketing team holding me hostage in front of a camera, do not save me. I'm right where I want to be. (I wasn't forced to write this)

[Ashwin Bhatnagar @abhatnagar]

@TarunMangukiya @xflowpay Thank you! I’m looking forward to closely partnering with you!

[Ashwin Bhatnagar @abhatnagar]

May was a solid month at @Xflowpay

Our platform segment hit an all-time high. We now have platforms processing double digit millions in a single month.

Pipeline looks strong. GTM is fully staffed. The engine is running. Couldn't be more proud of this team❤️

[Ashwin Bhatnagar @abhatnagar]

@xflowpay The theme across all of it:

Build the regulated, product-led infrastructure Indian businesses need to operate globally.

The next decade of Indian cross-border commerce needs faster settlement, better compliance, stronger treasury infra.

We're building it.

[Ashwin Bhatnagar @abhatnagar]

@xflowpay Some internal wins that don't make headlines but compound over time:

- Better website lead capture
- AI-assisted development context
- AI visual bug fixing
- Automated CI pipelines across backend services

Boring? Maybe. Important? Very much!

[Ashwin Bhatnagar @abhatnagar]

@sidborderwala @xflowpay @sidborderwala, thank you for the question, check out: https://t.co/dqrOSwOwES

[Ashwin Bhatnagar @abhatnagar]

@sidborderwala @vanshyadav1408 @xflowpay can help with this. We're building something solid for Indian freelancers receiving payments globally

[Ashwin Bhatnagar @abhatnagar]

@mukul18_11 @ahmedgagan11 We're building a solid alternative for cross-border payments at Xflow, with an India-first compliance infra. There are plenty other platforms building in this space which I'm long on! There's hope

[Ashwin Bhatnagar @abhatnagar]

@RipBullWinkle More to come here! But the winners won't be decided by which token moves fastest; they'll be decided by which rails are actually compliant. That's the unglamorous part everyone skips. It's exactly why we built compliant stablecoin acceptance for Indian businesses at Xflow

[Ashwin Bhatnagar @abhatnagar]

Both will coexist and neither is the complete answer.

Because the hard parts, like KYC, FEMA compliance, documentation, reconciliation, don't get solved by the rail. They get solved by the infrastructure built on top of it.

[Ashwin Bhatnagar @abhatnagar]

RBI just announced cross-border CBDC pilots with Singapore and UAE. Most will read it as a crypto story, it's not exactly.

The problem RBI is trying to solve is the same one Indian exporters have complained about for decades.

[Ashwin Bhatnagar @abhatnagar]

The difference is who controls the rails.

CBDC: sovereign, programmable, tightly regulated.

Stablecoins: faster to deploy, already in use by global buyers today.

[Ashwin Bhatnagar @abhatnagar]

This is a great read by Cecilia Rogers, VP of Crypto Product at Cross River: https://t.co/262F1tQHgo

[Ashwin Bhatnagar @abhatnagar]

Stablecoin cards are moving from crypto-native experiments to mainstream financial infrastructure fast.

But most of the conversation is about the wrong thing.

The key architectural question isn't spending. It's settlement.

When stablecoins become true settlement assets, not just converted at the edge, that's when the real efficiency unlocks happen.