Payments, lending, UPI and financial systems engineering.
Navigating Android’s video playback functionality is an accomplishment that significantly enhances user interaction. In our context, it’s integral to building smoother user experiences. Multi-video playback forms an essential part of enhancing user experience. This blog offers…
If there’s one thing credit card users in India want right now, it’s the freedom to choose their rewards according to their lifestyle. It’s no wonder then, that the credit card market has grown so quickly over the past few years, pointing towards a greater demand for…
TL;DR Like numerous other orgs, we transitioned (actually, flipped overnight) to being fully remote during the first COVID pandemic lockdown in 2020. It worked out great in the first year, started losing its sheen in the second year, and became detrimental to creativity and…
In the previous part, we delved into the different steps of achieving isolation between the module sandbox and the host app during the development phase.
Have you ever used the PhonePe app to send money to a friend via their phone number? If you did, you’ve definitely come across the P2P flow. Read this blog to understand how we made one of the most important features of the PhonePe app faster by reducing latency significantly.
Have you ever had an alarm fail to wake you up, causing a ripple effect of chaos in your morning? At PhonePe, we understand the criticality of such ‘alarms’ in our digital ecosystem. Take, for instance, our daily Merchant Settlements process. A merchant receives multiple…
At Zerodha, many million users login and use our financial platforms every day. Over the recent months, on an average day, 1.5+ million users have been executing stock and derivative transactions. On a volatile day, this number could easily double. After a trading session…
Pareto Principle in Action: Boosting Performance with Smart Caching Caching — the superhero of speedy apps. It’s the secret sauce that saves us from constant database calls, making our applications faster and cutting down on infrastructure costs. But, let’s face it, caching…
CRED has evolved to be a multi-product platform, and that necessitates the use of multiple microservices. The microservices we have run primarily on AWS ECS (Elastic Container Service). Within our ecosystem, these microservices predominantly operate on AWS ECS (Elastic Container…
In the initial segment of this blog series, we explored the concepts of application and module sandboxing, identified scenarios that necessitate a module sandboxing solution, and highlighted its advantages.
Setting context: Adoption of SwiftUI by PhonePe Since PhonePe’s inception in 2015, its mobile ecosystem has primarily consisted of the PhonePe app, the PhonePe Business app, and a payment gateway SDK for third-party apps. Over the years, we have managed to grow the PhonePe app…
Case Study on Large Scale Re-architecture: Evolution of Order Management System at CRED — Part 1 CRED was launched almost 5 years back as a platform to track and manage credit card statements and bill payments. Today, it provides variety of other offerings as well to its members…
Kafka, a distributed streaming platform, has become the backbone of PhonePe’s data infrastructure, enabling them to seamlessly handle the staggering flow of information.
Module Sandboxing is a fundamental concept that fortifies application security by isolating it from the underlying operating system and other applications.
CRED curious with Kailash NathIn the latest episode of CRED Curious, Kailash Nadh, CTO of Zerodha, sat down with Kunal Shah to discuss A.I’s inevitable impact, serendipity, climate change and why life goals are irrelevant in a universe that prefers chance. Intrigued? Then head…
an explainer on Soundpool framework in Android -its features, limitations. The challanges we faced and the framework we built on the top of it to make it more efficient.Sound plays an important role in enhancing our members’ experience on our app. As a multi-product platform,…
In 2006, British mathematician Clive Humby declared “data is the new oil.”Like oil, data in raw form — sans insights and analysis has limited use. To harness the potential on data, organizations are constantly seeking ways to leverage their data to gain a competitive edge. This…
Following up on the blog about PhonePe’s Internal Cloud Provisioning service, this blog addresses inventory addition flow management that makes it easier for the Procurement team, Site Operations (Siteops) team and the Tools team to track assets coming into our data centers,…
As PhonePe continues to scale, the tech that goes behind each division also needs to scale and meet the requirements of all stakeholders involved. Bullzeye addresses a few challenges faced in managing ads such as issues with scalability of reporting modules and frequency cap…
At Zerodha, we run a multitude of internal and public-facing services that generate copious amounts of logs. While developers use these logs to debug or troubleshoot incidents, some services also emit logs that must be persisted for prolonged periods to comply with numerous…
The Trust and Safety team at PhonePe are problem-solvers and a team of analysts, engineers, and product folks. They are the subject matter experts in this field who combine domain expertise, statistical knowledge, and computer science skills to solve various problems around…
PhonePe Cloud, commonly referred to as PPEC, is PhonePe’s internal cloud provisioning service that has, with many years of learning, adapted to its internal network architecture, as well as the way teams are set up and execute their daily work.
Over time, I have come to realise that the term user “engagement” in software, more often than not, is a thinly veiled proxy for user entrapment, whether intentional on the part of software designers or not. The trend of shallow user numbers and “engagement” metrics taking…
At Zerodha, the first mobile version our flagship trading platform Kite was written as a native Android app in 2015. After building a cross-platform version in React Native in 2017, we finally settled for a full rewrite in Flutter in 2018, a choice that has paid off really well…
A lot of credit for The GraphQL Engine's success goes to the original team at Facebook, the GraphQL foundation, and developers all over the world. To pay it forward, we are sponsoring open-source GraphQL projects that add value to the ecosystem.
Over the last year, owing to the unexpected rally in capital markets, Zerodha’s customer base has more than tripled, significantly increasing the number of concurrent users on our platforms along with the traffic and load they generate on numerous systems in the background. For…
Pamela Gotti spoke last year at HasuraCon'20 on how Credimi shifted from REST APIs to GraphQL APIs with Hasura and sped up their development.
This post is in the context of the large, data heavy PostgreSQL instances that store historical transactional data and reports, the databases that power Console and its large scale number crunching and reporting. It talks about how we self-host, tune, and manage all our DB…
At Zerodha, we process millions of trades in real-time, where each trade comes into the system as concurrent high throughput HTTP requests. Each trade increases the latency for subsequent orders in the queue that are under processing at the same time at our OMS (Order Management…
Background / Problem Statement: Being a Fin-Tech organization with payments as the core offering, at PhonePe we focus on securing our network perimeter with ultra-tight security measures. However, traditional approaches of implementing / securing the edge, like the one shown…
ನಮಸ್ಕಾರ (Namaskāra)! This is not a post on fintech, or even technology for that matter. This is the story of a product of tenacity, selflessness, and passion; a product that will transcend and outlive most technology we know of. This is the story of a massive dictionary that…
“Scaling” is not a specific technique but an entire spectrum that stretches all the way from “Google scale” to the K8s cluster Karan runs on a Raspberry Pi plugged into a 12V shaver outlet in his bathroom to encrypt his DNS queries for peak privacy, while he asks Alexa to dim…
An overview of building customizable, scalable, & secure backends for e-commerce apps with Hasura with all fundamental features like auth, search, inventory validations, add to cart, order placement and payments.
On any given day, we handle around 15% of daily retail trading volume across all stock exchanges in India. Billions of requests generated in the process are handled by a suite of systems we have built in-house. Also, we are very particular on self-hosting as many dependencies as…
Engineering the product on Day 1 to handle hyper-growth in the future Every entrepreneur in the technology space, starts his or her journey with the dream of building a product or providing a solution that addresses a strong need, or solves a fairly pervasive problem using…
Zerodha, now India’s largest stock broker, bootstrapped and profitable, turns ten years old this year. The Zerodha tech team turns seven years old. The tech team has remained largely elusive over the course of our existence. While we have pondered starting a tech blog for more…
An Overview of Building the PhonePe App The PhonePe app has expanded from 0 to 150M+ in less than 30 months. Our app is growing uniquely in multiple dimensions. It’s not only adding more business-verticals, but every vertical is adding more features, which in turn are getting…
We recently welcomed our new batch of 25 engineers from premier institutes. Our fresh from campus hires, went through the coveted on-boarding program “Bootcamp 2019.” The Bootcamp saw them learn about server side architecture, the tech stack and the engineering design philosophy…
Building a highly scalable infrastructure to power Microservices Solving payments for the world’s largest democracy is not easy. Enabling access to payment as a first class service to applications, platforms and consumers in the most predictable, responsive and resilient manner…
As we complete three years and begin our fourth, I can’t help but feel proud of the immense success we have achieved with our product – over 150+ million users on our platform have translated into 50+ million daily app sessions, totaling an incredible 500,000 hours on PhonePe…
How a Fintech startup uses Hasura as a high performance read layer over their existing database.
Apps libredesk ★ 3102 Go Open-source, self-hosted customer support desk in a single binary. A lightweight alternative to Intercom, Zendesk, Chatwoot. GNU Affero General Public License v3.0 Last updated on November 1, 2026 listmonk ★ 24103 Go High performance, self-hosted,…
Languages Go Python Java JavaScript Dart Databases PostgreSQL ClickHouse Redis SSDB ScyllaDB DuckDB MySQL Webservers and proxies Nginx HAProxy Kong Streams & Queues NATS Kafka Redpanda Console UI Benthos Observability & Monitoring Vector Grafana VictoriaMetrics Alertmanager…