Sumit Chopra

Payments Enthusiast| here to share, observe & absorb | #when it can’t be done, it must be done !! Chief Transformation Officer, Pine Labs. IIML / DCE Alum

[Amrish Rau @amrishrau]

https://t.co/Dhw9Net47R

[Amrish Rau @amrishrau]

India is now ready for autonomous Agentic payments. We just demonstrated a LIVE transaction between 2 agents, end to end using UPI as the payment layer
We had to solve for two major areas:
1. A highly sterile environment for the agents to operate in. Identity, authority, spend control and auditable.
2. A Payment protocol, Pine Labs Payment protocol (P3P)extending UPI’s mandate framework for payments between agents.
Put those together we showed a price watch based, agent led, txn.
No one can say India has barriers for Agentic payments. We just broke thru. Read 👇🏼

[Amrish Rau @amrishrau]

There are lots of demos and AI dashboards floating around. However, very few have tried to set up standards and protocols. Our CTO and @PineLabs have proposed a new protocol.

AI agents are no longer just generating text. They’re taking actions—sending emails, moving money, writing code, operating systems.

But there’s a problem:
We don’t yet have a standard way to safely grant, manage, and audit what agents are allowed to do.
Grantex is our answer. https://t.co/M2ja3IFZ8c

Think of it as OAuth for the agent era—a simple, open protocol for delegated authorization between humans, applications, and AI agents.

With Grantex, you can:
• Grant fine-grained permissions to agents
• Define clear boundaries for what they can (and cannot) do
• Audit and revoke access at any time
• Bring policy and security into the core of agent workflows

We built Grantex to be practical from day one:
• 30+ packages across TypeScript, Python, and Go
• 600+ tests and production-ready SDKs
• Integrations with policy engines like OPA
• SOC 2 Type I ready
• Self-hostable via Docker, Helm, and Terraform
It’s live. It’s usable. And it’s open. Give feedback here and also @mishrak_sanjeev

[Amrish Rau @amrishrau]

Excited to have released our first App on ChatGPT. Pls try Setu Bharat Connect app on your ChatGPT app.

Most consumers are spending time on AI apps. They should do everyday payments on the same. Why use a dedicated payments App? UPI scanning would come next directly in AI apps.

[Amrish Rau @amrishrau]

Zero increase in engineers. Blame it on AI. GitHub Dashboard attached 👇🏼

In the last 28 days, our Engg teams have meaningfully scaled AI adoption across the development lifecycle — moving from experimentation to real production impact. @mishrak_sanjeev CTO

🔹 1.3M+ lines of code touched with AI assistance
🔹 ~89% agent contribution to code changes
🔹 Engineers have built their own Design, Coding, PR Review, and Functional Testing agents
🔹 Agents integrated with Jira, Confluence, GitHub, and Figma via MCPs/APIs — enabling autonomous workflow execution
🔹 Clear upward trend in daily AI usage across teams

AI is no longer just a productivity tool for us — it’s becoming part of how we design, build, test, and ship products.

[Sanjeev Kumar @mishrak_sanjeev]

Noida City Directory - https://t.co/Dcfos1uz3M
Weekend fun project. Mostly done with Claude/@code . Only manual step was domain purchase and passing ref of CNAME, TXT records on Google Cloud.
Solo dev can do this in under 2 hours.
https://t.co/oH1fQ7TeVT

[Amrish Rau @amrishrau]

130,000 POS at 50K+ Petrol Pumps across the country. 3 Oil Marketing Companies.

One more thing- Managing one of the world’s largest fleet loyalty card program.

https://t.co/wJzVvg2W2i

[Amrish Rau @amrishrau]

We processed 50Bn of payment volumes in Q3. Everyday we move 100s of crores on our platform and this requires detailed three party recon & settlement to manage error free

One of the processes which used to take 2.5 hrs (& people) everyday has now been reduced to 6 mins using AI

[NPCI @NPCI_NPCI]

At the #TataAIConclave, @dilipasbe joined @amrishrau, CEO, @PineLabs in a conversation with @ShereenBhan from @CNBCTV18News on how India can not only adopt AI at scale, but also play a leadership role globally in shaping responsible, inclusive, and trust-led AI innovation.

Watch the full discussion here: https://t.co/XmXtyBql1g

[Pine Labs @PineLabs]

Today was nothing short of incredible! We had the absolute honour of hosting the Hon’ble Finance Minister, @nsitharaman, at Pine Labs.

A full house, buzzing with ideas, energy and innovation, our FM dove deep into fintech conversations, tech demos, and meaningful exchanges.

Grateful for her inspiring presence and unwavering support for India’s digital future 🇮🇳

[Nikhil Kumar @nikhilkumarks]

We have moved the models to productions and doing some killer POCs with some of fintechs, NBFCs and top tier banks in India. We have a lot to do and hopefully you'll get to experience some of this in real life soon. N/N

[Amrish Rau @amrishrau]

Emirates N Bank, the largest bank in UAE has partnered with Pine Labs to bring world class payment acquiring solution to UAE and Middle East.

We have built many retail payment solutions in India and these are very relevant in global markets. RTP, Online, Contactless, Token management, NFC all services included here. Couldn’t be more excited with global Fintech.

https://t.co/E9dCHCXN6f

[Amrish Rau @amrishrau]

Thrilled to unveil Sesame by @Setu_API in collaboration with Sarvam 🚀 India's 1st domain-specific LLM for financial services. It’s set to redefine banking—offering personalized advice, multilingual onboarding, and AI-driven insights. A new era of inclusive finance begins today!

https://t.co/ZxvVTCldKs

[Nikhil Kumar @nikhilkumarks]

Super happy to announce our @Setu_API partnership with @ICICIBank to launch a next generation PFM module built on the power of Account Aggregator. We are just getting started to build the most powerful AA platform in the country 🚀

https://t.co/KGFX556EIH

Super proud of the teams who made this happen 🕺

@Setu_API @PineLabs @amrishrau @sahilkini @irfn @VikramBhat

[Pine Labs @PineLabs]

It's a QR sound box. It's a card terminal.
It's both.

Introducing The Mini.

A 2-in-1 payment device for those who always want more.

At 1/3 the cost of a regular PoS terminal, the Mini is truly an innovation built for Bharat.

Coming soon at a counter near you.

[Amrish Rau @amrishrau]

Indian merchants are aspirational. They want this, plus that.

UPI QR spread quickly thru our country. Merchants wanted one device for UPI transaction confirmation and a separate POS to accept Cards. And both at super low prices

[Nikhil Kumar @nikhilkumarks]

Super duper excited to be hosting @harish_io for a fireside chat. I have a host of things to talk about with him. I first met him in 2012 when Agam was just breaking out and have been fortunate to see his journey all these years. Come register! We'll have a ball 🙌

[Pine Labs @PineLabs]

Disrupt the tech of tomorrow, with insights from the leaders of today.

Our signature fintech event is around the corner. Register for the Pine Labs X.O LIVE stream today at https://t.co/C6UDi8EEYI

#PineLabs #XO #DecodingDisruption

[Amrish Rau @amrishrau]

Fintech is at a crossroad.

-Entrepreneurs are making breakthroughs
- Regulators are building frameworks that last
- Building to break, and breaking to build continues

This is the story of disruption.
Join the narrative. Invites going out soon.

[Sumit Chopra @reachsumit]

@guptajiten @amrishrau @TheJupiterApp @PineLabs You are most welcome :-)