India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)
Regulated network market (aa licensees + fips/fius; ondc buyer / seller / gateway nodes). The Kin Score Market layer reads each provider in its market: who it integrates with, how deep those integrations go, and where the market publishes its own structure. Methodology.
Where this market publishes its structure
- Sahamati FIPs & FIUs in the AA ecosystem (sahamati.org.in/fip-fiu-in-account-aggregators-ecosystem) machine-readable, 1,293 institutions as on 30 Sep 2026; Wikidata P856 bridge: 5 linked, 61 held, 121 candidates without a catalog repo, 1,162 without a Wikidata identity
- Sahamati Account Aggregators list (sahamati.org.in/account-aggregators-in-india) machine-readable, 17 RBI NBFC-AAs; 0 linked (AAs run on dedicated AA domains no catalog repo holds); Perfios AA held as a subsidiary
- ONDC production registry (prod.registry.ondc.org/lookup, keyless POST) machine-readable, 2,569 subscriber records over 484 registrable domains; 18 catalog-held; 15 linked after hand verification, 3 held
- NPCI UPI live members / third-party app providers (npci.org.in) not machine-readable: HTTP 403 to every non-browser client (Akamai), 2026-10-19
- DigiLocker issuers / requesters (digilocker.gov.in partners) not machine-readable: client-rendered shell (5.6 KB, no list in HTML); issuers are government departments on gov.in; requesters not published (2026-10-19)
- UIDAI AUA / KUA list (uidai.gov.in) not machine-readable: legacy list pages return 404 after the site redesign; no list published (2026-10-19)
- Sahamati Central Registry API not machine-readable: token-gated
Own = declares at least one integration itself; covered = visible only because an aggregator, standards body, regulator or partner contract names it; distribution-only = listed only on cloud marketplaces it sells through, a channel reported beside, never counted as its own declared integrations; undeclared = nothing we can read, so no number; declares_compatibility = providers with a `compatible` shape vote, report only (kin, 2026-10-13): never counted as own, never in depth or position.
Taxonomy how this market maps onto apis.io
Derived 2026-10-23 from the 38 providers in this market we could resolve in the catalog. The percentage is the share of those providers carrying each one; it describes the market, not the tag or industry. Tag groups have no page of their own yet, so they are listed unlinked.
| Tags | India 82%, Fintech 39%, UPI 37%, Payments 32% |
|---|---|
| Tag groups | Fintech 58%, UPI 37%, Logistics 24%, Fraud Prevention 21% |
| Industries | Financial Technology 42%, Payments & Money Movement 37%, Cybersecurity & Identity 24% |
share of resolved cohort carrying it; tags >=0.20 & >=3 members (max 12, junk dropped), tag_groups >=0.20 (cooccurrence, non-cross-cutting; max 8), industries >=0.20 (max 6), areas >=0.10 (max 6; areas are keyword-matched and sparse), capabilities L1 >=0.20 (max 8); derive-market-taxonomy.py
Leaders by position (provisional)
Provisional: grouped by position, depth compared within a position only. Distribution (cloud marketplaces) and iPaaS bridges are counted beside position, never inside it. Unknown-builder listings are left out of position shares and counted here.
builds-on 6 · publishes apps on other platforms' stores
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Shiprocket | 52.3 | 7 | 0 / 7 | 0 | 1 | 0 | contract 14%, covered 14%, builds-on-platform 57%, distribution 14% |
| Cashfree Payments | 44.9 | 5 | 0 / 5 | 0 | 0 | 1 | ipaas-bridge 20%, contract 20%, builds-on-platform 60% |
| Razorpay | 44.5 | 8 | 0 / 8 | 0 | 1 | 1 | ipaas-bridge 12%, contract 12%, standard 12%, builds-on-platform 50%, distribution 12% |
| Gupshup | 37.7 | 8 | 0 / 8 | 0 | 2 | 2 | ipaas-bridge 25%, contract 12%, covered 12%, builds-on-platform 25%, distribution 25% |
| Slice | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Instamojo | 10.1 | 32 | 0 / 32 | 0 | 0 | 31 | ipaas-bridge 97%, builds-on-platform 3% |
regulated 20 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Standard Chartered | 59.0 | 6 | 0 / 6 | 0 | 0 | 0 | contract 83%, standard 17% |
| Kotak Mahindra Bank | 45.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Paytm | 43.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, builds-on-platform 50% |
| FT Cash | 41.9 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| PhonePe | 41.9 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| MoveInSync | 40.0 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, builds-on-platform 50% |
| Decentro | 28.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | contract 50%, distribution 50% |
| DeHaat | 26.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Magicpin | 26.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Ola | 26.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| SnapDeal | 26.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Yesbank | 26.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Acko | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Flipkart | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Rapido | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Setu | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Shriram Finance | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| CRED | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Digio | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Groww | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
standard 3 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Uber | 57.1 | 5 | 0 / 5 | 0 | 0 | 0 | contract 20%, standard 60%, builds-on-platform 20% |
| HyperVerge | 50.5 | 3 | 0 / 3 | 0 | 1 | 0 | standard 67%, distribution 33% |
| Perfios | 20.4 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
mixed 1 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Delhivery | 57.2 | 3 | 0 / 3 | 0 | 0 | 0 | contract 33%, covered 33%, builds-on-platform 33% |
distribution 3 · only sells through cloud marketplaces
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Upstox | 28.8 | 3 | 0 / 3 | 0 | 3 | 0 | distribution 100% |
| M2P Fintech | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Signzy | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
undeclared 5 · declares nothing we can read: no number
Generated 2026-10-24 from API Evangelist's own files; nothing on this page is a model's judgement. Provisional and unweighted; not part of the Kin Score composite or agent readiness. Read the Market layer methodology. Disagree with an edge? Every edge cites its evidence and can be corrected through the normal correction path.