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Harshil Mathur

Verified account Razorpay

@harshilmathur

Co-Founder & CEO, @razorpay
Bengaluru, India razorpay.com Joined September 2009
402 Following 53K Followers 2K Posts

Latest posts 5

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Harshil Mathur Verified account @harshilmathur
4 billion payments. 3 trillion data points. One model trained on all of it.

Meet @Razorpay Vulcan - India’s first transformer-based AI foundation model for payments.

Built, trained and hosted in India, in partnership with @nvidia and @awscloud.

Until now, every payments problem was solved separately: routing, fraud, risk, personalisation and more.

We asked: What if one model could understand how money moves?

And like LLMs are trained on text to understand language, Vulcan is trained on payments to understand how money moves.

Already running in beta across 51,000+ businesses, Vulcan is delivering:

- 8–10% improvement in payment success rates - the ultimate measure of whether a payment simply works.
- 8x more international card fraud detected.
- 5x more fraudulent or disputed transactions identified.
- 1–2 lakh more purchases completed every month through better checkout personalisation.

And we’re just getting started. The best part? Every payment Vulcan sees makes the next one smarter.

We’ve spent years building the infrastructure that moves money for India. Now, we’re building the intelligence that understands and improves it. 🔥
1:40
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Harshil Mathur Verified account @harshilmathur
The toughest board meetings happen at the family dinner table.

No pitch deck. Tougher questions than any VC. And the most honest feedback you’ll ever get.

But also, your biggest cheerleaders.

This Diwali, if you’ve been thinking of starting up, there’s no better time to break the news than at a family get-together.

Iss Diwali, apne startup ka bomb phodo! 💥
Happy Diwali! 🪔
1:16
38 replies 75 reposts 997 likes 1.8M views View on X
Harshil Mathur Verified account @harshilmathur
Probably the first gadget after a while that immediately feels like the future! Glad to be an early user/investor.
Apoorv Shankar Verified account @lazyapprove 6d
What if your devices, apps and agents knew what you wanted?

You finish breakfast, and your Uber is booked.
Running late, your agent sends a “Running late” text.
You reach home, and your lights turn on.

AI is proactive now. But it still needs your yes. It waits, for you to unlock your phone, open an app and tap approve. Every time, hundreds of times a day.

AI needs its own interface.

Aina is a ring with a screen that predicts and shows you the three things you’ll need next. One flick of your thumb, and it’s done. For everything.

✦ Cues: proactive suggestions, ready before you need them
✦ Voice: talk to your agents, take notes, dictate
✦ Remote: control your music, Mac and TV
✦ Calls: right from your hand

Pre-orders open now
aina.com
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6 replies 5 reposts 185 likes 24K views View on X
Harshil Mathur Verified account @harshilmathur
Cross-border payments should be as seamless as domestic payments.

With Razorpay now live in GIFT City, we're taking another big step towards that future, unlocking more use cases for businesses globally. 🚀
Razorpay Verified account @Razorpay Nov 2
Razorpay is now live in GIFT City! 🌍

We've received our final PSP licence from @IFSCA_Official, a key step in building our international payments infrastructure.

We aim to simplify cross-border transactions for businesses and financial institutions.
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