Markets · bedrock market · provisional

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.

33providers measured
5 (15.2%)declare their own
15 (45.5%)covered by others only
4 (12.1%)distribution only (sell through, not integrations)
9 (27.3%)undeclared
0in-market workflows shown
Provisional. Provisional and unweighted: the Market layer is not part of the composite or agent readiness. Leader lists are read within a position, never as one ranking. A provider that declares nothing we can read is shown as undeclared, with no number: we never infer integrations.

Where this market publishes its structure

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 2026-10-19 from the 33 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.

TagsIndia 85%, Fintech 42%, UPI 39%, Payments 33%
Tag groupsFintech 64%, UPI 39%, Fraud Prevention 21%
IndustriesFinancial Technology 45%, Payments & Money Movement 39%, Cybersecurity & Identity 24%, Financial Services 21%

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 3 · publishes apps on other platforms' stores

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Cashfree Payments 21.2 thin 2 0 / 2 0 0 1 ipaas-bridge 50%, builds-on-platform 50%
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%

covered 1 · reached mainly through aggregators

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Delhivery 37.8 thin 2 0 / 2 0 0 0 contract 50%, covered 50%

regulated 15 · named in a regulator's register or partners' contracts

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Standard Chartered 58.0 5 0 / 5 0 0 0 contract 80%, standard 20%
MoveInSync 37.8 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
DeHaat 22.0 thin 1 0 / 1 0 0 0 contract 100%
Kotak Mahindra Bank 22.0 thin 1 0 / 1 0 0 0 contract 100%
Magicpin 22.0 thin 1 0 / 1 0 0 0 contract 100%
Paytm 22.0 thin 1 0 / 1 0 0 0 contract 100%
SnapDeal 22.0 thin 1 0 / 1 0 0 0 contract 100%
Yesbank 22.0 thin 1 0 / 1 0 0 0 contract 100%
Acko 20.6 thin 1 0 / 1 0 0 0 contract 100%
Flipkart 20.6 thin 1 0 / 1 0 0 0 contract 100%
FT Cash 20.6 thin 1 0 / 1 0 0 0 contract 100%
PhonePe 20.6 thin 1 0 / 1 0 0 0 contract 100%
Rapido 20.6 thin 1 0 / 1 0 0 0 contract 100%
Setu 20.6 thin 1 0 / 1 0 0 0 contract 100%
Shriram Finance 20.6 thin 1 0 / 1 0 0 0 contract 100%

mixed 1 · no single mode dominates

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Gupshup 34.8 7 0 / 7 0 2 2 ipaas-bridge 29%, contract 14%, covered 14%, builds-on-platform 14%, distribution 29%

distribution 4 · only sells through cloud marketplaces

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Decentro 9.6 thin 1 0 / 1 0 1 0 distribution 100%
HyperVerge 9.6 thin 1 0 / 1 0 1 0 distribution 100%
M2P Fintech 9.6 thin 1 0 / 1 0 1 0 distribution 100%
Upstox 0 0 / 0 0 2 0 distribution 100%

undeclared 9 · declares nothing we can read: no number

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
BharatPe undeclared-----
Cleartax undeclared-----
CRED undeclared-----
Digio undeclared-----
Fi Money undeclared-----
Groww undeclared-----
Juspay undeclared-----
Khatabook undeclared-----
Perfios undeclared-----

Generated 2026-10-19 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.