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Poosarla Sai Karthik

Tech guy with a busi...ย โ€ขย 1m

Super.money dropped in July 2024, backed by Flipkartโ€”and didnโ€™t take long to shake up the UPI game. Fast forward to Feb 2025, and itโ€™s 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 threeโ€”PhonePe (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 hotโ€”used Flipkartโ€™s 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 wasnโ€™t fullโ€”it just needed someone to play it smarter.

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