The Indian fintech sector has evolved drastically over the last decade, driven by startups, innovation, and rapid technological advancements. One such player in the emerging fintech industry is Viyona Fintech.

Based out of Hyderabad, the company has launched products such as ViyonaPay and GraamPay. The firm noted that it aims to bridge financial gaps and promote financial inclusion, specifically in rural and semi-urban India.

ViyonaPay provides users detailed payment and banking solutions, including the PayIn and Payout platforms, UPI integration, and Connected Banking APIs. The product is aimed at businesses and organisations and facilitates fund transfers and merchant payments. The firm noted that ViyonaPay has emerged as a trusted entity for enterprises planning to streamline their financial operations.

Meanwhile, the company’s other product, GraamPay, focuses on individuals and small communities in rural areas. It is neo-banking platform that provides services like micro-insurance, UPI payments, micro-loans, utility bill payments, and digital gold investments to customers.

The firm said that it aimed to make financial transactions simple for users by integrating features such as Aadhaar-Enabled Payment System (AEPS) and Domestic Money Transfer (DMT) in the app. 

Elaborating on the company’s vision, B Nagaraj, CTO, noted, “We are building a future where financial services are driven by data, powered by AI, and secured through blockchain. At Viyona Fintech, our focus is on developing resilient and adaptive systems that can handle the complexity of modern digital banking while ensuring seamless and secure experiences for users across urban and rural India.”

The company further noted that GraamPay has promoted financial literacy among its users and empowered them to manage their resources more efficiently. The app has facilitated rural users in paying for their utilities such as electricity and water digitally, saving on their time and effort, the firm said.

Meanwhile, chief financial officer, C V K Madhu, added, “Our financial strategy at Viyona Fintech focuses on blending innovation with fiscal discipline. By leveraging technology to optimise cash flows, reduce operational costs, and enhance financial transparency, we aim to deliver sustainable value while expanding access to modern financial services for every Indian.”