Airpay has launched a unique financial wellness platform designed to help India’s underserved middle class build better financial habits and stability.
The new platform, called airpay money, targets people earning between ₹20,000 and ₹75,000 per month, often left out by traditional players.
Over the next three years, Airpay plans to onboard 20 million users, focusing on urban and semi-urban regions across India.
Founder and CEO Kunal Jhunjhunwala shared the company’s bold vision for building financially resilient communities through education and digital inclusion.
What Is Airpay Money?
Unlike most fintech apps, airpay money does not focus on product sales, commissions, or payment volumes to measure success.
Instead, it acts as a financial wellness coach, guiding users through personalized journeys based on their real financial behavior.
The app provides product-neutral recommendations and habit-building tips, rather than pushing users toward specific financial products or partners.
Because of this user-first approach, Airpay hopes to foster trust and lasting financial health rather than short-term transactions.
How the Platform Works
airpay money uses a proprietary financial assessment tool to evaluate four core areas:
- Income stability
- Emergency preparedness
- Debt exposure
- Saving behavior
Based on these metrics, the platform generates custom guidance that helps users prioritize financial goals over commercial products.
By offering clear and unbiased advice, financial wellness becomes accessible to those historically underserved by banks and formal advisors.
The platform’s simplicity and relevance make it especially useful for users managing daily expenses without long-term planning experience.
A Focus on India’s Forgotten Middle
Airpay’s new platform is specifically crafted for India’s aspirational middle class, often overlooked by high-end banking apps or credit-led fintechs.
This group represents a large, fast-growing population that requires financial guidance, not just digital payment tools.
Therefore, the company’s mission isn’t just scale—it’s meaningful, impact-driven inclusion built on trust, simplicity, and behavior change.
Jhunjhunwala stressed that airpay money aims to educate, not just transact, and help users form stronger money habits over time.
Education Over Sales
Most fintech platforms monetize by promoting loans, insurance, or investment products—often prioritizing volume over value.
In contrast, airpay money separates itself by not promoting specific financial products, focusing instead on long-term user outcomes.
As a result, users feel empowered to make better decisions, without pressure or hidden sales agendas.
This difference reflects a growing trend toward financial wellness tools that respect autonomy and data privacy.
A Mission Rooted in Inclusion
By combining digital access with behavior-based insights, Airpay believes it can support a generation of financially literate Indian households.
The platform not only raises awareness of risks and gaps—it also builds the knowledge needed to address them proactively.
Over time, users are expected to adopt healthier habits, like maintaining emergency funds and tracking expenses more consistently.
Because of these benefits, airpay money could transform how middle-income India views financial planning.
Conclusion: Building Habits, Not Just Accounts
Airpay’s bold bet on financial wellness is more than just another app—it’s a model built around people, not products.
With 20 million users as its goal, the platform aims to become a daily financial companion for India’s rising middle class.
By focusing on habit-building, Airpay is placing long-term trust and literacy above short-term monetization.
This shift reflects a broader evolution in fintech—one that puts people’s lives, not just their data, at the center of innovation.