Navneet Kumar

I build and scale real fintech systems. ₹10,000+ Cr payment volume (Cards/UPI/Credit) Scaled from <10 TPS → 250+ TPS 99.99% uptime in production Lately focused on AI: +25% dev productivity in 3 months Delivery cycle: 8 weeks → 4 Sharing what actually works 👇

@destraynor @Fin_ai Shopify's payment play is just the beginning. When transaction infrastructure becomes a commodity (API-driven, marginal costs ~0), every digital platform becomes a fintech platform. This is the architectural shift of the decade.

We've just released @Fin_ai for E-commerce solving one of the biggest pain points for buying online. We've finally broken free of the limited land of faceted filters and actually recreated a great in-store experience. The biggest reason buying online sucked was the UI was just too limited. You couldn't search for "an easy to clean couch for a kids room". You couldn't say "my boss likes high end whiskey, find me something great that he couldn't easily buy in London". You can't upload a pic and say "I want an outfit like this for an Italian wedding in the summer" And now you can. It's one of our coolest products to date, and it's live for Shopify stores everywhere today.

@mikulaja @rshevlin @SpirosMargaris @AlexH_Johnson @UrsBolt @jasonhenrichs @BetaMoroney @JimMarous Finally. Clear rules > ambiguity. The fintech space thrives when innovation and compliance work together, not against each other. Good for legitimate builders, bad for speculative casino behavior.

Fintech Biz Weekly just dropped -BlockFi under fire from regulators over its "Interest Account," what it means for future crypto regulation -Why health insurance is the key to FinHealth -Sen Durbin calls for 36% cap to stop 'shady' lending & more Read fintechbusinessweekly.substack.com/p/blockfi-unde…

@KeningYe26924 @KobeissiLetter @Fiserv The real shift is happening when AI augments decision-making, not replaces humans. Banking institutions need AI to handle scale, not to reduce headcount. The winners will be the ones who pair AI with better domain expertise.

to be clear, banking/fintech should be one of the next major AI productivity waves, and @Fiserv is well positioned, but $FISV is not automatically an AI winner. But it is structurally positioned to benefit if management executes. The market may be underestimating this because Fiserv still screens like a legacy processor under turnaround pressure. But the pieces are there: vast proprietary data, Clover, bank infrastructure, merchant acceptance, FI relationships, improving products, agentic commerce partnerships, stablecoin and new leadership with Stripe/JPMorgan-style payments DNA. It means Fiserv can own: * AI-enabled merchant operations via Clover * AI-enabled bank operations via core/banking software * AI-enabled fraud and risk scoring * AI-enabled agentic commerce acceptance * AI-enabled real-time/stablecoin settlement * AI-enabled SMB cash-flow and embedded finance tools That is a real strategic opportunity. #payments #clover #banks #SMB #merchant #POS #agentic #stablecoin #turnaround #verticalAI $QQQ $SPY #redemption

BREAKING: Anthropic's pre-IPO valuation surges to a record $1.2 trillion, rising another +20% in 7 days. This officially puts Anthropic's implied valuation up +900% since October 2025, per onchain pre-IPO trading data. Pre-IPO instruments trading onchain on Jupiter, backed 1:1 by SPV exposure, are providing a real-time proxy for the company’s implied IPO valuation. This now makes Anthropic ~20% larger than OpenAI's pre-IPO implied valuation. If Anthropic were to IPO at a $1.2 trillion valuation, it would be the 11th most valuable public company in the world. The AI Revolution is accelerating.

India is building data centres fast. 65-70% of that capacity is already pre-booked by global hyperscalers. We're building the pipes. Someone else is controlling the flow. That's the part we should be talking about.

NPCI’s products are the talking point at all of the major conferences world over. Feels proud.

India AI market has a new address - Bharat.ai ! Proud to participate in the buildathon .

AI didn’t make our engineers smarter. It removed the time wasted being stuck #AI

Payment systems don’t fail at peak load. They fail at edge cases nobody thought about and tested! #payments #fintech

In 1954, Homi Bhabha told the world that India would build its entire energy future on a metal most countries considered useless. That metal was thorium. Found in beach sand. India sits on 25% of the global supply. The problem? You can't just put thorium in a reactor. It's not fissile. It doesn't burn on its own. You have to convert it into uranium 233 first. And to do that, you need a reactor that doesn't exist anywhere outside Russia. Bhabha knew this. So he designed a 3-stage program where India would BUILD that reactor itself. Yesterday, India built that reactor. The man has been dead for 60 years. His plan is still running exactly as written.

#WATCH | Madurai, Tamil Nadu: Flower markets witness a rush of buyers ahead of Pongal.

Stuck at the Tarmac at the Pune airport in the @IndiGo6E flight since last 4 hours waiting for an empty bay!! Lot of Indigo planes just Parked there and when we suggest solutions they say it’s not allowed !! Unprecedented conditions call for different solutions. @DGCAIndia

The beauty queens joined in with enthusiasm, celebrating #Telangana’s culture by participating in Bathukamma festivities and folk songs, adding colour and charm to the visit. #IndiaNews deccanherald.com/india/telangan…

@AirIndiaX we are waiting in the aircraft since last 1 hour for your captains to arrive. What’s happening ?? IX2342. @AAI_Official this is really very disturbing.

@DanielLockyer Wow.

Meta recently made a 1 character change to their codebase which saves the equivalent of ~15,000 servers in capacity per year 🤯

@VFSGlobal why are your passport delivery charges so exorbitant ? For a family of 6, you need INR 1200 per passport for delivery which is INR 7200? This is atrocious. Why can’t you club the passports for a family as we are applying for a family.

@timesofindia @BangaloreTimes1 @htTweets @BPACofficial

This is the Shrieking loud noise we wake to every morning at 4:30 am. There is utter disregard of noise pollution by every builder in the city they too during nights. Have complained multiple times but no effect. @BBMPCOMM @CMofKarnataka #noisepollution @CPCB_OFFICIAL #lawless.

Tanker folks block road and do not move vehicle even if requested. They are not afraid of anyone. @blrcitytraffic @BlrCityPolice

@GoibiboSupport irctc booking experience is bad. I searched from station a to b but the booking was done for station b to a ! Even if irctc is giving full refund, you do not give any refund also. This is not acceptable @goibibo @makemytrip