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As the earliest mover in the category, GoldenPi has transformed a once-HNI-dominated investment avenue into a <\/span>mainstream, tech-enabled retail offering<\/b>\u2014serving over 5000 monthly investors with average ticket sizes of \u20b92 lakh.<\/span><\/p>\n GoldenPi\u2019s mission to bring bonds to retail users meant solving multiple payment and compliance problems head-on:<\/span><\/p>\n Originally, bonds were a high-ticket, manual investment\u2014\u20b910L minimums, offline RTGS, and long cooling periods <\/span>after adding clearing corp beneficiary account<\/span>. As SEBI reduced ticket sizes to \u20b910K, GoldenPi had to enable <\/span>instant, intent-backed payments<\/b> or risk massive drop-offs.<\/span><\/p>\n Without a gateway, RMs had to call every customer post-order to manually guide payments. This model capped them at just <\/span>40-60 orders\/day<\/b>, throttling throughput.<\/span><\/p>\n As a SEBI-regulated OBP, GoldenPi must settle every investor transaction with the exchange within <\/span>T+1<\/b>. That means: <\/span>if a customer places an order today, money must be received and routed to the clearing corp by 3 PM the next day<\/span>. Any delay in collection and settlement breaks the entire cycle.<\/span><\/p>\n If an investor placed an order and didn\u2019t follow through on payment, GoldenPi still had to purchase that bond upfront\u2014putting capital at risk. Without a <\/span>payment gateway to lock funds at the moment of order<\/b>, forecasting and inventory planning became nearly impossible.<\/span><\/p>\n Razorpay became a foundational enabler of GoldenPi\u2019s new-age debt investment model, stitching together compliant collections, real-time validation, and exchange settlement flows.<\/span><\/p>\n GoldenPi uses Razorpay\u2019s <\/span>Payment Gateway<\/b> and <\/span>Smart Collect<\/b> to accept payments via netbanking, UPI, and validated bank transfers. For banks that don\u2019t support third-party netbanking, Smart Collect ensures compliance and routing clarity.<\/span><\/p>\n Since going live, GoldenPi scaled from <\/span>40-60 to 400\u2013500 daily transactions<\/b>\u2014without RM calls or back-and-forth nudges.<\/span><\/p>\n Razorpay\u2019s <\/span>Route<\/b> product handles next-day fund movement to clearing corporations. With SEBI permitting T+1 fund settlement for debt, GoldenPi uses Razorpay\u2019s nodal to engage in direct settlements to the clearing corporation, by triggering precision-timed payouts at 11 AM the next day.<\/span><\/p>\n This ensures seamless compliance while enabling full-stack settlement automation\u2014turning a formerly manual process into a self-running engine.<\/span><\/p>\n Before Razorpay, each RM handled just <\/span>7\u20138 orders\/day<\/b>. Today, they handle none. The team now focuses entirely on assisting clients, addressing investor queries etc, and not on repetitive opts. GoldenPi estimates at least a <\/span>5\u00d7 throughput increase<\/b>, saving both headcount and cost while boosting accuracy.<\/span><\/p>\n With Razorpay\u2019s infrastructure proven on their B2C stack, GoldenPi has expanded into a <\/span>SaaS offering for other brokers<\/b>\u2014enabling others like Axis Direct, IIFL and and Centrum Broking to replicate their model. Razorpay powers payments on this backend too.<\/span><\/p>\n As more brokers adopt digital debt distribution, Razorpay will be instrumental in supporting GoldenPi\u2019s mission to deepen fixed-income access and modernize India’s investment landscape.<\/span><\/p>\n Interested in Razorpay\u2019s offerings? Chat with a product expert now.\u00a0<\/b><\/p>\n![\"\"](\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2025\/06\/img3-6.png\")
<\/p>\nThe Challenge: Transforming Fixed-Income Into a Click-to-Invest Experience<\/b><\/h2>\n
The Checkout Bottleneck in Fixed-Income Investing<\/b><\/h3>\n
T+1 Settlement Demands Precision and Predictability<\/b><\/h3>\n
Inventory Risk Without Payment Lock-In<\/b><\/h3>\n
The Solution: Frictionless Collection, Routing, and Scale with Razorpay<\/b><\/h2>\n
Razorpay PG + Smart Collect for Intent-Led Collection<\/b><\/h3>\n
Automated Routing to Exchange with Razorpay Route<\/b><\/h3>\n
5\u00d7 Operational Scale with Zero RM Overhead<\/b><\/h3>\n
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<\/p>\nWhat\u2019s Next: SaaS Enablement and Ecosystem Scale<\/b><\/h2>\n