India's #1 AI-Powered Fintech Stack
Laraware Pvt. Ltd. is India's premier AI-powered fintech company, building the intelligence layer India's fintech ecosystem was missing. Featured in Forbes India, Economic Times, Hindustan Times & more.
📥 Download Company Profile →About Laraware Pvt. Ltd.
India's premier AI-powered fintech company driving digital transformation through cost-effective and scalable IT solutions since 2018.
Anvesh Tiwari
Founder & CEO, Laraware Pvt. Ltd.
BCA, MCA, M.Tech, PhD — 10+ Years of Experience
Hailing from Ayodhya, Anvesh Tiwari has written a new chapter in India's fintech world. First person from Uttar Pradesh to be featured in Forbes India's Top AI-Led Fintech Innovators list.
🏗️ Foundation
Started in 2018 from Ayodhya as a freelance software developer. Registered as Laraware Pvt. Ltd. in 2023. Developed 5,000+ web applications for financial and educational institutions.
🚀 Flagship Product
Nxtbanking™ — India's first end-to-end AI-native fintech stack enabling banks, NBFCs, aggregators, and fintech startups to provide instant intelligent financial services.
🎯 Mission
Building the digital architecture for India's economy in 2030. Aligned with India's $1 trillion digital economy goal through financial inclusion, digital payments, and AI-based compliance.
🏆 Historic Achievement
First individual from Uttar Pradesh to be featured in Forbes India's "India's Top AI-Led Fintech Innovators" list — a testament to innovation potential of Tier-2 cities.
"We have not just built code, but a thinking system. Today there are thousands of apps in India, but there wasn't a system that was built indigenously, built with depth, and designed to guide field teams."— Anvesh Tiwari, Founder & CEO, Laraware Pvt. Ltd.
Nxtbanking™ — Full Platform Capabilities
India's first AI-native fintech stack with 50+ pre-integrated APIs powering complete digital financial services.
AEPS — Aadhaar Enabled Payment System
Secure Aadhaar-based biometric payments for rural India. Cash withdrawal, balance enquiry, mini statement, Aadhaar Pay, and fund transfer — all via fingerprint.
BBPS — Bill Payment System
NPCI-certified platform supporting 200+ billers. Electricity, water, gas, mobile postpaid, broadband, DTH, loan EMIs, and insurance premium payments.
DMT — Domestic Money Transfer
Instant bank-to-bank transfers via IMPS/NEFT/RTGS. 11-step secure process with remitter verification, OTP, and multi-provider failover support.
Payout APIs
Process thousands of bulk disbursements in one click. Integrated with RazorpayX, Cashfree, and more with auto-failover and real-time status tracking.
Recharge & DTH
All operators covered — Jio, Airtel, Vi, BSNL. Tata Sky, Dish TV, Airtel DTH. Sub-5 second processing with 99.9% success rate and auto-failover.
Micro ATM & Virtual Accounts
Aadhaar Pay system for last mile financial access. UPI QR code generation, virtual account numbers, and real-time payment confirmation.
AI Engine & Financial Tools
Advanced analytics, predictive compliance alerts, deep transaction analytics, fraud scoring, and intelligent automation powered by the 8-layer AI engine.
KYC Verification — 9-Step
Complete digital verification: Mobile OTP, Basic Details, Aadhaar eKYC, PAN verification, GSTIN check, Bank account validation, Video KYC with liveness detection.
White-Label Portals
Launch branded fintech platforms instantly. Custom branding, independent commission, isolated data, custom modules, and instant provisioning in minutes.
8-Layer AI Compliance Engine
Bank-grade security protecting every transaction and user — not an afterthought, built into the core.
Aadhaar, PAN, GSTIN Verification
Real-time identity verification via UIDAI and NSDL APIs
AI-based OCR & Document Parsing
Intelligent document extraction and validation
Facial Match & Liveness Detection
Advanced video KYC with anti-spoofing technology
Geo-tagging & Device Fingerprinting
Location-based security with device tracking
Real-time Fraud Scoring
AI-powered anomaly detection on every transaction
Watchlist Screening
Automated screening against regulatory databases
AES-256 Encryption
Data encrypted at rest and in transit for RBI compliance
Complete Audit Trail
Every action logged — timestamp, IP, device, user details
Enterprise Technology Stack
Built on battle-tested, enterprise-grade infrastructure designed for India's scale.
Laravel 11+ / PHP 8.2+ — Industry-leading performance
MySQL 8.0 / Redis 7.x — Sub-millisecond queries & caching
Google Cloud / AWS — Auto-scaling with 99.9% uptime SLA
Multi-layer AES-256 — Data encryption at rest & in transit
RESTful / JWT Auth — 580+ documented API endpoints
1,080 automated tests — 100% pass rate, 3,154 assertions
National Media Coverage
Recognized by India's most respected media houses for pioneering AI innovation in fintech.
Anvesh Tiwari's Laraware is redefining fintech with India's first fully AI-powered financial stack
Forbes India highlights the 8-layer AI engine and the mission to make financial infrastructure "think, not just move money."
Read on Forbes India →Anvesh Tiwari leads the launch of India's first AI-driven end-to-end fintech platform
Platform enables banks, NBFCs, and aggregators to offer intelligent financial services with enterprise-grade compliance and 50+ pre-integrated APIs.
Read on ET →Laraware Pvt Ltd launches India's 1st fully AI-powered fintech software
As India moves towards a $1 trillion digital economy, Laraware's AI-driven fintech stack aims to enhance scalability and security across the nation.
Read on HT →Anvesh Tiwari's AI-powered Fintech journey begins in Uttar Pradesh
TOI highlights his decade of experience, leadership at Laraware, and the Nxtbanking platform with deep transaction analytics and real-time fraud detection.
Read on TOI →Anvesh Tiwari from Uttar Pradesh featured in Forbes India — creating new history in fintech
Emerging from Ayodhya, Anvesh Tiwari has achieved what no one in the state had done before.
Read on Aaj Tak →Inspiring story of rising from Ayodhya to reaching Forbes
Forbes India included him in the "AI Revolution in Fintech" list. Nxtbanking highlighted as India's first end-to-end AI-based fintech platform.
Read on Zee News →From Ayodhya to Global Stage
The inspiring journey of building India's first AI-powered fintech stack from Ayodhya.
Who Is This For?
Nxtbanking™ empowers diverse stakeholders in India's financial ecosystem.
Banks & NBFCs
Digital financial services with AI-powered compliance & analytics
Government
Financial inclusion, Digital India mission support
Fintech Startups
Plug-and-play AI infrastructure for faster launches
Law Enforcement
AI-based KYC, fraud prevention, compliance systems
Platform at a Glance
India's most comprehensive B2B fintech platform — fully production-ready.
Lines of Code
Battle-tested, production-ready codebase
Integrated Modules
Complete fintech suite in one platform
API Endpoints
Full integration ecosystem documented
Automated Tests
100% pass rate — zero failures
Permission Controls
Granular enterprise-grade security
Hierarchy Levels
Complete distribution management
Payment Providers
Multi-provider with auto-failover
Platform Uptime
Always on, always reliable
What Makes Laraware Different?
Not just another fintech company — we're building the intelligence layer India's fintech was missing.
100% Made in India
Fully indigenous technology — zero foreign dependency
AI-Native Architecture
AI at the core — not added as an afterthought
Plug-and-Play
Launch timelines from months to hours
Rural-First Design
Built specifically for rural & semi-urban India
Download Complete Company Profile
Get the full 34-page company profile of Laraware Pvt. Ltd. — India's #1 AI-Powered Fintech Stack, as featured in Forbes India.
- Complete company introduction & history
- Anvesh Tiwari's journey — Ayodhya to Forbes India
- Nxtbanking™ full platform capabilities
- 50+ Pre-Integrated API details
- 8-Layer AI Compliance Engine breakdown
- National media coverage & recognition
- Technology stack & architecture details
- Law enforcement collaboration capabilities
- Digital India & financial inclusion alignment
- FashionKart.ai — AI expansion in E-commerce
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