Super.money dropped in July 2024, backed by Flipkartโand didnโt take long to shake up the UPI game. Fast forward to Feb 2025, and itโs already sitting at #5 among third-party UPI apps with 139M+ transactions and 0.86% market share. Not bad for the new kid. Before this, the space was basically owned by the big threeโPhonePe (47.5%), GPay (36.2%), and Paytm (6.7%). Together, they ran the show with over 92% of UPI traffic. But Super.money came in hotโused Flipkartโs massive user base, rolled out juicy cashbacks, and layered in smart stuff like FDs through small finance banks and UPI-linked secured credit cards. The result? Real competition. A fresh wave of innovation. Proof that the market wasnโt fullโit just needed someone to play it smarter.
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