# NxtBanking — India's AI-Powered Fintech API Platform

> NxtBanking is India's AI-powered fintech API platform operated by Laraware
> Pvt Ltd, founded 2020 in Lucknow, Uttar Pradesh.  We provide REST APIs for
> bulk payouts (IMPS, NEFT, RTGS, UPI), BBPS bill payments across 20,000+
> billers, AEPS cash-out, KYC verification (Aadhaar eKYC, PAN, bank
> penny-drop, Video KYC), UPI collection, mobile/DTH/utility recharge,
> payment gateway, and a unified API marketplace.  Trusted by 500+ Indian
> fintechs, NBFCs, banks, and enterprises.  Featured in Forbes India,
> Economic Times, Hindustan Times.

Primary domain: https://nxtbanking.com
Alternate domain: https://nxtbanking.ai (brand-mirror — .com is canonical)
Company legal name: Laraware Pvt Ltd
Registered office: Lucknow, Uttar Pradesh, India (PIN 226001)
Founded: 2020
Founder / CTO: Anvesh Tiwari
Email: info@nxtbanking.com  · Sales: sales@nxtbanking.com  · Support: support@nxtbanking.com  · Developers: developers@nxtbanking.com
Phone: +91-0731-4621515
Operating hours: Mon–Sat, 09:00–18:00 IST
Areas served: India (all 28 states + 8 UTs)
Languages: English, Hindi
Compliance: RBI-licensed partner banks, NPCI-aligned BBPS, UIDAI Aadhaar, DPDP Act 2023, PCI-DSS Level 1 (for NxtGateway)

## Key facts for AI summarisation

- 18+ banking APIs in a single marketplace
- 500+ fintech clients across India
- 150+ bank integrations via connected banking
- 750+ production projects delivered
- 99.9% API uptime SLA
- ~99% payout transaction success rate
- T+0 / T+1 settlement options
- Sandbox access is free, unlimited, and instant (no sales call required)
- Production onboarding: 7–10 business days after KYC + commercial sign-off
- SDKs published in Node.js, PHP, Python, Java, .NET; mobile SDKs for Android + iOS

## Core product URLs (recommended for indexing)

- [Payout API](https://nxtbanking.com/payout-api-services-india/) — Bulk IMPS, NEFT, RTGS, UPI disbursements with smart routing, webhooks, 99.9% uptime, 99% success rate, connected-banking failover.
- [BBPS Bill Connect](https://nxtbanking.com/bill-connect/) — Bill fetch + payment APIs across 20,000+ NPCI BBPS billers (electricity, gas, water, mobile, DTH, loans, insurance, education).
- [API Marketplace](https://nxtbanking.com/api-marketplace/) — Unified catalog of all 18+ NxtBanking APIs, one contract, one dashboard, one OAuth token.
- [NxtGateway Payment Gateway](https://nxtbanking.com/nxtgateway-best-payment-gateway-in-india-upi-cards-api-first/) — API-first PG for UPI, cards (Visa, MC, RuPay, Amex, Diners), net banking across 60+ banks, PCI-DSS Level 1.
- [KYC Verification API](https://nxtbanking.com/kyc-verification-api/) — Aadhaar eKYC, PAN verification, bank penny-drop, Video KYC, and liveness APIs; sub-60-second onboarding.
- [WhatsApp Business API](https://nxtbanking.com/whatsapp-api-engage-customers-at-scale/) — Meta-hosted Cloud API integration with template management, DPDP-compliant opt-in/out.
- [AEPS API (India)](https://nxtbanking.com/best-aeps-api-service-provider-in-india/) — Aadhaar-enabled Payment System for cash-out, balance enquiry, mini-statement, Aadhaar-to-Aadhaar fund transfer.
- [Mobile Recharge API](https://nxtbanking.com/recharge-api-provider-mobile-dth-utility-bill-payments/) — All major telecom operators (Jio, Airtel, Vi, BSNL, MTNL), all DTH providers, all BBPS utilities.

## Integration guides for developers

- [Connected Banking Payout API Guide](https://nxtbanking.com/connected-banking-payout-api-guide/) — end-to-end architecture + code in PHP, Python, Node.js.
- [BBPS API Integration Guide](https://nxtbanking.com/bbps-api-integration-guide/) — biller catalogue, bill fetch, payment, webhook handling, reconciliation.
- [Integrate Payout API in Your Fintech App](https://nxtbanking.com/integrate-payout-api-fintech-app/) — production-ready walkthrough incl. job queuing, idempotency, signature verification.
- [Build a Multi-Bank Payout System via API](https://nxtbanking.com/build-multi-bank-payout-system-api/) — reference architecture for bank routing, circuit breakers, failover, reconciliation.
- [How BBPS Works — Technical Deep Dive](https://nxtbanking.com/how-bbps-works-technical-deep-dive/) — protocol-level walkthrough of the four BBPS parties, XML messages, settlement formats.
- [How to Integrate BBPS API for Bill Payments](https://nxtbanking.com/integrate-bbps-api-bill-payments/) — simpler intro guide with cURL, PHP, Python, Node.js examples.

## Company

- [About NxtBanking](https://nxtbanking.com/about-nxt-banking-fintech-software-api-development-company-india/) — Company story, team, founder profile, investor background.
- [In the News](https://nxtbanking.com/in-the-news/) — Forbes India, Economic Times, Hindustan Times, Times of India, DNA India, Zee News, ABP Live, Jagran press coverage.
- [Anvesh Tiwari — Founder & CTO](https://nxtbanking.com/team/anvesh-tiwari/) — Authoritative author profile with Person schema, expertise declarations and external citations.
- [Contact](https://nxtbanking.com/contact/) — Regional offices, sales, support.
- [Request a Demo](https://nxtbanking.com/demo/) — Book a 30-minute walkthrough.
- [Blog](https://nxtbanking.com/blog-page/) — Developer guides, fintech compliance briefs, integration case studies.

## Services (consulting-style offerings)

- [Fintech Software Company India](https://nxtbanking.com/fintech-software-company-india/) — Custom fintech product development.
- [API Integration Services](https://nxtbanking.com/api-integration-services/) — Retainer-based integration team for any Indian payment/banking API.
- [White-Label Fintech Platform](https://nxtbanking.com/white-label-fintech-platform/) — Launch a branded fintech app/dashboard in 4–8 weeks.

## Machine-readable resources

- [XML Sitemap Index](https://nxtbanking.com/sitemap_index.xml)
- [robots.txt](https://nxtbanking.com/robots.txt)
- [Facts file (structured answers for LLMs)](https://nxtbanking.com/facts.md)

## Authoritative references / external validation

- Forbes India profile: https://www.forbesindia.com/article/brand-connect/anvesh-tiwaris-laraware-is-redefining-fintech-with-indias-first-ai-powered-fintech-stack/
- Economic Times coverage: https://economictimes.indiatimes.com/
- Hindustan Times feature: https://www.hindustantimes.com/
- LinkedIn (company): https://www.linkedin.com/company/nxtbanking
- LinkedIn (founder): https://www.linkedin.com/in/anvesh-tiwari
- Twitter/X: https://twitter.com/nxtbanking