Sourav Choraria scaled a wealth app to 20 million users, then walked away to fix something far less glamorous - the fees hiding inside every international payment. His answer is Infinity.
For every dollar a business in India receives from abroad, three to five cents quietly disappears. Fees at the sending bank. A markup on the exchange rate. Another cut at the correspondent bank. A delay that stretches into days. Sourav Choraria grew up watching this happen to his own family's business, and for a long time it looked like the cost of doing business across borders. Then he decided it did not have to be.
Choraria is the co-founder and chief executive of Infinity, a Bengaluru company that went through Y Combinator's Winter 2024 batch. Infinity is a bank-like platform for cross-border small and medium businesses and startups - the kind of firm that invoices a client in the United States, hires a freelancer in the Philippines, or sources goods from a supplier in Vietnam, and needs the money to move without leaking value at every step.
He did not arrive at this problem by accident. He arrived at it after spending years learning how money moves at scale, and then choosing to work on the version of the problem that most people route around.
The origin of Infinity is unusually personal. Sourav built it with his brother, Sidharth Choraria, and the two of them had seen the pain of international payments up close, inside their own family's business. Delays. Hidden fees. A near-total lack of transparency about where the money was and what it had cost to get there.
That firsthand frustration became the company's founding brief: make cross-border payments simple, transparent, and borderless. It is a mission statement, but it is also just a description of what they wished had existed years earlier.
For every dollar a business moves from the US to India, the business loses 3-5%.
Sourav ChorariaBuilding with a sibling is not new territory for them. Infinity is the second company the brothers have started together - the first was ClinMD, a healthcare data analytics startup they founded in 2016. Sourav handles growth and the business; Sidharth, a former Amazon engineer who built instant payment systems for developers across 135 countries, handles the machine underneath. Two brothers, two startups, one shared irritation with the way the financial system treats people trying to move money.
Choraria has a favorite way of explaining what is broken. Think of the SWIFT network - the messaging system behind most international bank transfers - as a series of connecting flights for your money. Your payment rarely goes direct. It hops from your bank to a correspondent bank, to another, to the recipient's bank. At every layover there is a fee, and there is a wait. Bags get lost. Nobody can tell you exactly where your money is.
Infinity's pitch is the direct flight. Multi-currency accounts that let a business hold money in the currency it earns. Transparent flat fees instead of a spread buried in the exchange rate. Same-day settlement. Real-time tracking, so a founder can actually see where the payment is. The company says the result is cross-border payments roughly 70% cheaper than the traditional route.
Choraria did not start here. He studied Instrumentation and Control Engineering at NIT Trichy, a discipline about measuring and steering physical systems - not, on paper, an obvious runway into fintech. After ClinMD, he took a job that would end up teaching him exactly the skill Infinity needs most: how scale actually happens.
At Paytm Money, India's largest wealth-management platform, he ran growth and product and helped push the platform to around 20 million monthly active users. He also shipped India's first fixed-deposit-backed secured credit card and grew it to 100,000 users in a single year. That is the resume of someone who could have kept climbing inside a large, successful company for a long time.
Instead he did the harder thing. He left a working machine to build a new one from zero.
Our goal is to create a financial oasis for cross-border companies.
Sourav ChorariaThe reason investors lean in is arithmetic. Indian businesses conduct roughly $700 billion in cross-border trade every year, and a slice of every one of those transactions is lost to fees and spreads. Infinity's model is to earn about 1% on the flows it moves - a small number against an enormous base. Early on, the company signed 110 customers in three months and was growing about 20% week over week.
In February 2025, Infinity announced a $1.9M pre-seed round led by Tom Blomfield, the founder of the UK neobank Monzo and a Y Combinator partner. The cap table also picked up names that tell you what kind of company this is: Script Capital, Liquid 2 Ventures, and angels including Adam Wiggins, the co-founder of Heroku. Reported total funding sits around $2.5 million.
People who have watched Choraria work describe someone motivated less by the size of the prize and more by the shape of the problem - genuinely animated by cash management and cross-border payments, the sort of topics most people find sleep-inducing. He goes at hard things headfirst. The unglamorous nature of the work seems to be part of the appeal, not a drawback.
There is a quiet logic to that. Consumer apps get the attention, but the plumbing beneath global commerce is where money hides and where switching costs run deep. Choraria picked the boring, high-value layer on purpose. And he is building it in one of the tightest regulatory environments anywhere - RBI oversight, FEMA compliance - which he treats as a moat rather than a nuisance, running a regulation-first platform from the start.
The word he keeps returning to is oasis. Not an app, not a feature - a single, reliable place where a founder selling to the world can hold money in many currencies, move it cheaply, see where it is, and even put idle cash to work. For a business owner who has spent years squinting at opaque wire transfers and wondering where their money went, that is not a small promise. It is the whole thing.
Somewhere in Bengaluru, two brothers are still working on the same irritation that followed them home from the family business years ago. This time, they get to fix it for everyone else too.