Home / vandanaajaydubey111 / great-pm · GitHub

india-fintech SKILL.md skillA

india-fintech from vandanaajaydubey111/great-pm is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.

Install it, pinned

mdr add vandanaajaydubey111/great-pm/india-fintech@git:20260721.86de099

Pins git:20260721.86de099 in mdr.lock. Pin the fingerprint instead.

Audit grade: A, 17 of 17 checks passed
Kind: SKILL.md skill
Repository: vandanaajaydubey111/great-pm
Path: skills/india-fintech/SKILL.md
Versions recorded: 1
Latest version: git:20260721.86de099, committed Jul 21, 2026
Size: 6,405 bytes
Repository stars: 3
License: MIT

Playbook for product decisions in Indian fintech — UPI rails, RBI regulatory frame, DPDP Act 2023, NPCI conventions, customer-money handling, Tier-1 vs Tier-2 vs Tier-3 KYC limits.

Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.

What the file says

# India Fintech — playbook

India fintech is a high-volume, low-margin, regulated environment. UPI
moves ~10 billion transactions/month. The same product fails for entirely
different reasons here vs the US/EU — different rails, different KYC
tiers, different consent law (DPDP, not GDPR), different fraud patterns,
different language coverage.

## 1. The rails — pick deliberately

| Rail | Use case | Reality |
|---|---|---|
| UPI (NPCI) | P2P, P2M, recurring (UPI Autopay) | Free for users; revenue-thin for builders |
| IMPS / NEFT / RTGS | Larger transfers, B2B | Slower, fee-bearing |
| Bharat Bill Payment (BBPS) | Bill payments | NPCI's centralized layer |
| Cards (NPCI RuPay + Visa/MC) | E-commerce, retail | Card tokenization mandatory (2022) |
| AEPS (Aadhaar Enabled) | Last-mile rural | KYC via Aadhaar |
| ONDC | Open commerce protocol | Newer; lighter regulatory frame |

Default for most consumer fintech: **UPI as the primary rail.** Plan
revenue around features other than transaction fees (UPI is free).

## 2. RBI regulatory frame — know your category

| Category | What it does | License needed |
|---|---|---|
| Bank | Full banking | Bank license (rare for new entrants) |
…

Read the whole file at its exact version.

How to install

The exact contents, by fingerprint

mdr add vandanaajaydubey111/great-pm/india-fintech@sha256:780d64842f724029

The line at the top of this page pins the label git:20260721.86de099, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.

Badge

[![mdr](https://markdownregistry.com/badge/art_j4oo2cw2b67uiq4x.svg)](https://markdownregistry.com/a/art_j4oo2cw2b67uiq4x)

1 badge image fetches in 30 days. What the badge shows.

Versions

The registry has recorded 1 version of this file, committed on Jul 21, 2026.

version	committed	commit	size	audit
git:20260721.86de099 latest	2026-07-21	86de099	6,405 B	A	view

Audit of the latest version

A 17 of 17 checks passed. Fixed automatic checks with no AI involved, so the same checks give the same answer every run.

pass: Frontmatter block present
pass: Frontmatter declares a name
pass: Frontmatter declares a description
pass: Size between 200 bytes and 200 KB (6405 bytes)
pass: No zero-width or bidi control characters
pass: No instruction hidden inside an HTML comment
pass: No link to an exfiltration or paste host
pass: No credential-shaped string
pass: No instruction to send local credentials anywhere
pass: No text hidden with inline styles
pass: No prompt-injection phrasing
pass: No curl or wget piped into a shell
pass: No recursive delete of root, home or parent
pass: No instruction to read or print local credentials
pass: No base64 blob over 200 characters
pass: No link to a raw IP address
pass: No script tag

Source

GitHub

vandanaajaydubey111/great-pm · 3 stars · license MIT · pushed 2026-09-20 · branch main

API

GET https://markdownregistry.com/api/v1/artifacts/art_j4oo2cw2b67uiq4x
GET https://markdownregistry.com/api/v1/resolve?ref=vandanaajaydubey111/great-pm/india-fintech
GET https://markdownregistry.com/api/v1/blob/780d64842f72402909300e331847c103fa3d8c7c76862066a64c6870e967f464

Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.

Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.

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