Where Intelligent data meets
business growth

Across retail, finance & distribution.

Explore product suite
Xonomy

Data at the core of growth

At BranchX, we use the power of intelligent data to help businesses grow - across retail, finance, and distribution. Every product we build is fueled by AI and focused on enabling real-world outcomes. Through our platforms like Xenie, Xpandifi, and Tramo, we are building a future-ready ecosystem for India's everyday economy.
Our product suite
Retailers onboarded
400K
Leading brands connected
100+
Transactions processed
$1B+
& we have just started

Our Product Suite

Our AI-first platforms that bring intelligence to brands, retail, supply chains, and embedded finance.

Xenie
Intelligent commerce

Xenie

Xenie is the intelligent ecosystem that unites loyalty, retail, finance, and payments into a seamless flow- driving efficiency, growth, and connected commerce

Xpandifi
Effortless Expansion

Xpandifi

Xpandifi is built to help businesses grow smarter, faster, and without boundaries. From e-commerce to distribution to intelligent marketing, Xpandifi unifies the tools that power modern trade.

Tramo
Financial Inclusion

Tramo

Tramo empowers small retailers to become local financial enablers, facilitating seamless incoming and outgoing payments for underserved communities, including migrants and those without easy access to banks.

About us

Power of X

The 'X' in BranchX represents more than technology. It stands for possibility, connection, and transformation.

It stands for the intelligence layer, Xenie - the central brain powering commerce, credit, capital, and community across every product we build.

Power of X

What we do

BranchX is a technology company building AI-powered platforms for brands, retailers, distributors, and financial institutions. We develop and invest in vertical-specific SaaS and fintech products, through our sub-brands Xenie Neobank, Xpandifi and Tramo.

Mission

To democratize access to intelligent tools that grow business, streamline finance, and empower underserved markets.

Vision

To make Xenie the AI engine behind the next wave of economic transformation — in India and beyond.

Subsidiaries & Strategic Acquisitions

Media

Our journey of growth and innovation is regularly covered in leading publications. Here's a look at our media presence
Economy

Outlook - Visionaries Of $5 Trillion Economy

13 August 2025 2:36 PM

India surpasses Japan with a GDP of $4.187 trillion and becomes the fourth largest economy in the world. A billion dreams, one unstoppable journey!

Technology

Retail’s tech revolution: How BranchX is powering kiranas with AI

Jul 16, 2025 At 05:14 PM IST

As quick commerce disrupts local stores, BranchX's AI-powered neobank is helping kiranas digitise, survive, and thrive through innovative platforms.

Innovation

BranchX Becomes India's First Neobank to Launch ONDC Loans for Financial Inclusion

Aug 22, 2025 3:15 PM

Bangalore (Karnataka) [India], July 10: In a landmark move set to revolutionize financial access across India, BranchX, a leading neobank innovator, has launched the nation's first personal loan solution through the Open Network for Digital Commerce (ONDC)

Business

AI Neobanking Meets Kirana

Aug 20, 2025 10:30 AM

Walk into any corner shop in India—the kind where the cashier is a one-man army juggling payments, inventory, and sometimes local gossip—and you'll get a glimpse of the country's economic engine in action. But look closer, and you'll also see a centuries-old system in need of an upgrade. That's where BranchX comes in, and they're not handing out patch fixes. They're rebuilding the machine with voice, AI, and a deep understanding of the street level chaos that defines India's small retail landscape.

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