Bhauni is a modern FinTech super app for consumers, merchants, and businesses — with embedded finance APIs for developers and partners.
Bhauni is currently in Estonia. Financial services will be activated only after proper licensing, compliance, and regulated partner integration.
What is Bhauni
Bhauni brings personal finance, business finance, merchant tools, and embedded finance APIs into a single, secure, and globally-scalable platform. From your first payment to running a multi-market business — Bhauni scales with you.
Consumer Finance
Wallets, bill payments, cards, investments, and AI-guided financial coaching — all in one place.
Send, receive, and hold money across currencies with instant transfers.
Virtual and physical cards for online, offline, and international spend.
Personalized insights, budgeting, and growth recommendations.
Business Finance
Onboard your business with KYB, get instant multi-currency accounts.
Send invoices, track cash flow, and get real-time financial reports.
Access lending and treasury tools designed for growing companies.
Merchant Tools
Accept payments online, in-store, and through payment links.
Modern checkout, subscriptions, and point-of-sale ready.
Understand customers, track revenue, and grow your business.
Embedded Finance APIs
Wallets-as-a-service, payments, KYC, and lending APIs for developers, marketplaces, and partners.
Provision, fund, and manage wallets for your end users.
Programmatic identity and business verification worldwide.
Card, bank, and open-banking rails through a single interface.
Security & Compliance
Role-based access, KYC/KYB, encryption in transit and at rest, audit logging, and infrastructure designed to meet the standards of licensed financial institutions.