M2P Fintech

M2P Fintech

M2P Fintech operates as a financial infrastructure company headquartered in Chennai, India, led by CEO Ritesh Pai and executive Rajan Bajaj. The firm provides the backend plumbing for digital financial services, offering APIs that cover core banking, lending, payments, and card issuance. Its platform is designed to allow any business — from neobanks to merchants — to launch compliant financial products. M2P's product stack spans four primary domains: Banking, Lending, Payments, and Card Issuance. On the banking side, its Turing core banking system supports customer onboarding and KYC. The Core Lending Suite enables credit products including BNPL and credit lines on UPI, while the Finflux loan origination and management system handles microfinance workflows. Its payments module covers UPI, cross-border transactions, and merchant acquiring. The firm's card stack supports both physical and virtual card programs for banks and organizations. M2P serves clients in the Middle East, Southeast Asia, North America, Africa, and Oceania. M2P serves over 1,200 fintechs, banks, and businesses, with domestic and international operations (per the firm's website). The firm maintains a presence across India, Nepal, and the UAE, with additional reach into Saudi Arabia, Egypt, the Philippines, Australia, Indonesia, and multiple African nations. Adjacent capabilities include value-added services such as fraud risk management, rewards, and reconciliation tools under the Recon360 brand. M2P's architecture distinguishes it by functioning as a financial middleware layer rather than a consumer-facing brand. Its model compresses the regulatory and technical burden of building a bank or lender into a set of APIs, enabling non-financial companies to embed financial services directly into their existing customer journeys — a structural posture that places M2P not as a fintech app itself, but as the operating system beneath a generation of them.