Rohith Reji is part of a new group of founders building core financial technology rather than consumer apps. At 29, he is the Co-founder and CEO of Neokred Technologies, a company working in digital public infrastructure. The firm builds systems that help banks, financial institutions, public sector bodies and NGOs onboard users, manage data privacy and run payment flows. Rohith Reji leads the company at a time when India’s fintech ecosystem continues to expand and mature.

Neokred Technologies operates as a B2B2C startup. Its tools support banks, non-banking finance companies, depositories and enterprises that serve millions of end users. The company focuses on building backend platforms rather than front-facing products. Its work now spans sectors such as BFSI, healthcare, gaming and ecommerce.

Early Career and Direction

Rohith Reji completed a Bachelor of Commerce degree from ARM Institute of Science and Technology. His early career did not follow a straight line. He spent four years at a startup called Expedyte before leaving in 2012. He later joined Larsen & Toubro in 2017. After that, he stepped away from corporate work to organise TEDx events until 2019.

This period helped him understand systems, scale and public platforms. When he moved to Bengaluru, he joined another startup, MSS Payments. There, he met Tarun Nazare, who later became his co-founder. Both shared an interest in financial infrastructure rather than surface-level fintech products.

Focus on Open Banking

Reji and Nazare saw opportunity in open banking. Open banking allows authorised third parties to access bank data through secure APIs, with customer consent. This system supports faster payments, data sharing and tailored financial products.

The founders believed India needed strong infrastructure layers to support this shift. Their focus stayed on identity, consent and payments. This idea formed the base of Neokred Technologies.

Early Partnerships and Growth

In 2018–19, Neokred worked with Yes Bank on prepaid card programmes. At the time, the bank faced operational stress. The project gave Neokred experience in working with regulated financial institutions.

After the pandemic, the company joined hands with National Payments Corporation of India as part of the RuPay on the Go pilot programme. The partnership gave the startup visibility across the banking ecosystem and helped validate its platform approach.

Over time, Neokred added large clients and partners. These include fintech firms such as Razorpay and Paytm. It also partnered with Radiant Acemoney, Centrico Insurance Repository and crypto exchange CoinSwitch Kuber.

Product Stack and Use Cases

Neokred runs three main product lines. Each targets a key layer of financial infrastructure.

The first product, Profile X, handles identity management. It supports secure onboarding of users for banks and enterprises. The platform helps organisations meet compliance needs while reducing friction during onboarding.

The second product, Blutic, focuses on data privacy and consent. Blutic acts as a consent manager and cookie governance tool. It uses AI systems to help businesses manage data permissions. The company launched Blutic at the Global Fintech Festival in October 2025. It positions the product as a response to rising data protection rules and consent needs.

The third product, CollectBot, supports payment flows. It allows enterprises to manage collections and payment processes with fewer steps. The tool fits into Neokred’s wider focus on infrastructure rather than consumer branding.

Together, these products form a full stack that supports identity, privacy and payments.

Funding and Revenue

In 2021, Neokred raised seed funding of ₹8 crore from Virenxia and angel investor Rajesh Jain. The funding helped the company expand its product lines and client base.

Rohith Reji has not shared full financial details. Industry estimates place Neokred’s revenue at around ₹100 crore in FY25. The company plans to double revenue by FY27. Growth has come from enterprise contracts rather than mass adoption products.

Position in India’s Fintech Space

Neokred operates in the digital public infrastructure layer. This layer supports large systems rather than individual users. Many of India’s top banks and public sector bodies use Neokred’s platforms.

As India pushes digital identity, consent-based data sharing and instant payments, infrastructure firms play a central role. Neokred fits into this shift by providing backend systems that institutions can rely on.

Global Expansion Plans

Rohith Reji and Tarun Nazare now plan to take Neokred outside India. The focus remains on identity, privacy and payments. The aim is to replicate the infrastructure model in other regions and adapt it to local rules.

The company has started exploratory talks in Singapore and Dubai. These markets offer regulated fintech ecosystems and demand for consent-based platforms. Reji states that the goal is not export of Indian products but creation of local solutions using the same core framework.

Looking Ahead

Rohith Reji continues to build Neokred as a long-term infrastructure company. The firm avoids fast scaling through consumer marketing. Instead, it focuses on stable systems, regulation and institutional trust.

As fintech shifts toward deeper integration with public systems, Neokred’s work places it in a key position. The next phase depends on how well the company adapts its platforms to global markets while maintaining compliance and reliability.

FAQs

Q1. Who is Rohith Reji?
Rohith Reji is an Indian fintech entrepreneur and the Co-founder and CEO of Neokred Technologies.

Q2. What does Neokred Technologies do?
Neokred builds digital public infrastructure platforms for identity management, data privacy and payments.

Q3. What is Rohith Reji’s age?
He is 29 years old.

Q4. Why is Rohith Reji in the news?
He is leading Neokred’s growth in India and planning international expansion into markets like Singapore and Dubai.