# Twid

Twid is an Asset Manager based in Singapore, Singapore.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Singapore, Singapore
- **Region:** Asia
- **Address:** Singapore
- **Founded:** 2018
- **Assets under management:** Undisclosed
- **Website:** www.twidpay.com
- **LinkedIn:** https://www.linkedin.com/company/twid

## Regulatory record

- **Reports private funds:** No

## About

A revolutionary platform converting fragmented and under-utilized reward points into a universal, spendable currency.

## Sectors

- FinTech
- Payments
- Enterprise Software

## Offices

- Bengaluru, India

## People

- Amit Koshal — Co-Founder & CEO
- Rishi Batra — Co-Founder & COO
- Ankur Jain — Co-Founder & CTO

## Questions

### How does Twid differ from a consumer loyalty app or wallet?

Twid does not operate a consumer-facing wallet. It functions as a payment network that integrates directly with banks, card issuers, and merchants, allowing reward points to be spent at checkout without requiring users to toggle between apps. The firm's infrastructure connects to existing card networks and bank reward engines, surfacing spending options inside the merchant payment flow.

### Is Twid a venture capital firm or an operating business?

Twid is an operating fintech company, not an investment vehicle. It builds and operates a payments-and-rewards orchestration platform, earns revenue through transaction fees and network integrations, and does not manage third-party capital or deploy a portfolio of investments.

### Which financial institutions does Twid partner with, and what does the integration look like?

Twid has publicly confirmed integrations with major Indian financial institutions including HDFC Bank, SBI Card, and other card issuers that collectively represent a substantial share of India's credit card base. The technical integration allows these issuers' reward programs to appear as a payment method at Twid-enabled merchant checkouts, settling balances in real time against the issuer's liability ledger.

### What is Twid's geographic and merchant coverage?

Twid's network is concentrated in India, with an engineering base in Bengaluru and a commercial office in Singapore. Its merchant network spans digital commerce, grocery, food delivery, and travel, with named partners including JioMart, Netmeds, and MakeMyTrip. The firm has not disclosed active operations outside India's domestic market.

### What is Twid's known posture on data handling and regulatory oversight?

Twid operates under the regulatory framework of the Reserve Bank of India for payment aggregators and complies with Indian data-localization requirements for financial transaction data. The specific details of its data architecture and regulatory registrations are not publicly detailed by the firm.

## Related profiles

- [Mercado Pago](https://altss.com/profile/mercado-pago)

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Last updated: 2026-06-03T20:00:00.000Z

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