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India’s businesses have historically had to stitch together banking, payments, cards, expense management, and accounting across disconnected providers. For startups and SMEs, this creates slow onboarding, fragmented cash visibility, and limited access to programmable financial products.


Open began as a digital bank for startups and enterprises and has evolved into a banking-services and embedded-finance platform. Its product suite spans deposit accounts, money transfers, debit and business cards, expense management, accounting workflows, lending, and APIs that allow banks and enterprises to embed financial products into their own journeys. The company's Zwitch platform extends that infrastructure to enterprise clients, while its Banking Connect partnership with NPCI Bharat BillPay positions Open inside India's interoperable banking rails.
From a startup banking product to a programmable financial infrastructure company — Open helped prove that India's next banking layer could be built by a technology-first team.