In a rapidly digitizing economy where speed, security, and scalability are no longer negotiables but expectations, NeoFinity has emerged as a foundational layer powering a new era of financial experiences. At the heart of this innovation is Rayan Malhotra, Founder & CEO, whose vision for building invisible, intelligent infrastructure is quietly reshaping how transactions happen in high-density, high-stakes environments.
In this conversation, Malhotra breaks down the tech behind NeoZAP, NeoFinity’s contactless transaction system, the impact of RBI recognition, and why his team treats every second of downtime as unacceptable.
What kind of encryption and authentication protocols power NeoZAP’s contactless infrastructure—and how do you ensure zero-lag transactions at scale?
We designed NeoZAP to feel faster than cash, but safer than cards. Every tap is tokenized, every request encrypted. To ensure near-invisible latency—always below 200ms—we’ve partnered with the best infrastructure providers. The system is built for real-world stress: crowded metros, flaky networks, and high-traffic loads. The architecture is layered and self-monitoring. All that complexity stays under the hood—the end user just experiences speed and safety.
How has the RBI recognition influenced NeoFinity’s approach to compliance and architecture—particularly in terms of data residency, audit trails, and sandbox integration?
Recognition from the RBI isn’t a badge—it’s a responsibility. We’ve restructured our entire backend: full data localization, real-time audit trails, and transparent transaction logs are now default. But more importantly, it’s about building trust. Our sandbox is live, modular, and open to partners—from banks to early-stage startups. Compliance isn’t something we check off at the end. It’s how we start.
What cloud technologies and DevOps frameworks does NeoFinity rely on to maintain uptime, scalability, and deployment efficiency across platforms?
NeoFinity is built to scale like a consumer app but perform with the reliability of a bank. Everything is containerized, modular, and cloud-native. We push daily deployments with rollback safety and strict version control. Uptime isn’t a metric—it’s a promise to our users. We hold ourselves to a standard where even a second of downtime is unacceptable.
How does NeoFinity’s fraud detection system evolve with new threats? Are there adaptive AI models in place that learn from transaction anomalies in real time?
Absolutely. Fraud detection is at the core of our product moat. Our engine learns in real time, not just from policy breaches but from behavioral anomalies. It’s built to self-train, self-heal, and stay ahead of emerging threats. Think of it as a defense system that’s always alert, always evolving, and never repeating a mistake.
Are there plans to open up NeoFinity’s API ecosystem to developers and fintech startups? How modular is your current system for third-party integrations?
Yes, and we’re already moving in that direction. Our goal is to make NeoFinity a plug-and-play layer for the next generation of fintech builders. APIs are modular, and developer docs are underway. Select partners are already building use cases—whether it’s a rewards engine, a transit wallet, or a new-age credit product—on our rails. We’re here to remove the friction, not reinvent the wheel.
NeoFinity isn’t just another fintech platform—it’s fast becoming the silent infrastructure enabling India’s digital leap. With Rayan Malhotra at the helm, the company is not only delivering on performance but setting new benchmarks for reliability, security, and developer-centric design. As the ecosystem matures, it’s clear that the future will be built—not on fragmented tools—but on cohesive, compliant, and collaborative rails like NeoFinity.