What does it take to build trust in India’s most regulated fintech layer?In this episode of Dhande Ki Baat, host Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-founder & CEO of SAFE.in, to unpack the real story behind building one of India’s first Account Aggregators.Discover how account aggregation is revolutionizing financial services by providing secure, error-free data and empowering consumers with control over their financial information. Venkatesh shares his entrepreneurial journey, insights into the industry's future, and the transformative potential of account aggregation for both businesses and individuals.From his early career in financial services to navigating RBI compliance, Venkatesh shares:
Timestamps;
00:40 – Intro & Founder Journey Recap
01:35 – What is Account Aggregation & Why it Matters
03:20 – Data Consent & Encryption Explained
06:00 – Regulatory Oversight & RBI Audits
07:30 – Lending, Wealth, Insurance & F&O Use Cases
10:10 – Why Banks Are Catching Up Slowly
10:31 – Real Savings for Lenders: ₹150 to ₹3
12:05 – Joint Account Access Coming Soon
14:14 – MSMEs + Inclusion via Joint Consent
16:35 – Non-financial Data Consents (Auditors, Visa, etc.)
18:32 – LSPs & Future Expansions Beyond Regulated Entities
22:40 – Interoperability Challenges & Sahamati NET
25:00 – Central Proxy Layer: The UPI Moment for AAs
27:34 – Business Model Viability & Market Dynamics
31:42 – DPDP & Consent as a New Layer of Power
32:45 – Future: Every Transaction Touches AA
37:45 – Wrap Up & Closing Thoughts
This isn’t a pitch. It’s raw, practical, founder-first storytelling from someone who’s building the pipes of India’s open finance future.🎧 Watch if you're a fintech builder, operator, investor, or just curious about India’s data revolution.