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hello, world. last login: from a small grocery store in India

Builder. Operator.
Community Leader.

I build products, communities, and systems that expand access to opportunity.

From helping run a family grocery store in India to building payment infrastructure used by businesses around the world.

Illustrated portrait of Neeraj Kumar
current focus: payments infrastructure · open source · AI systems · community building · financial inclusion

about

The first business I ever worked at had one cash drawer, a notebook of customers who paid at the end of the month, and no margin for error. It was my family’s grocery store in India, and it was where I learned everything that matters about money before I knew any of the vocabulary: cash flow is oxygen, trust is the real currency, and the financial system is built for people who already have money.

We were a financially fragile household. Not poor in a dramatic way. Fragile, the way most small-business families are: one bad month, one medical bill, one supplier demanding cash up front, and the careful arithmetic of the whole year falls over. I helped keep the ledger. I learned what responsibility weighs when you can’t put it down.

I became the first graduate in my family and found my way into the technology industry, not as an engineer but as someone who understood, from the other side of the counter, what the software was for. I learned the whole machine at a six-person startup that Paytm later acquired, learned customers from the support seat at a SaaS company, and then spent five years at Juspay, the orchestrator behind most of India’s digital payments. There I co-founded Hypercheckout to bring enterprise-grade payments to merchants like the one I grew up behind the counter of, and grew the community around Hyperswitch, an open source payments switch, into the most-starred payments repository on GitHub. I’m now an MBA candidate at the Tuck School of Business at Dartmouth.

These days I also build my own tools in public, with AI agents doing the typing and me doing the product thinking. The thread through all of it is the same: technology, entrepreneurship, and impact are most interesting where they intersect, and the most underrated place they intersect is a small business getting access to tools that were never designed for it. That’s the work. The longer version is in the manifesto.

career journey

click a milestone to expand it

  1. I grew up in a household where money was a daily calculation, not an abstraction. My family ran a small grocery store, and I helped: stocking shelves, handling cash, keeping the informal ledger of who owed what.

    A corner shop is a complete business education in miniature. Inventory, credit risk, customer trust, cash flow. I didn't know those words yet. I just knew that if the ledger was wrong, dinner was smaller.

    I became the first person in my family to finish a university degree: a Bachelor of Computer Application from Bangalore University, where I won the Best Student Award, given to one student out of five hundred in the graduating class. That sentence is short; the work behind it wasn't.

featured work

case study 012021–2023

Hypercheckout

A checkout product that made enterprise-grade payments usable by small businesses.

  • #payments
  • #product-strategy
  • #SMB

read more →

case study 022024–2026

Hyperswitch Community Growth

Growing the community around an open source payments switch into the most-starred payments repository on GitHub.

  • #open-source
  • #community
  • #product-marketing

read more →

things i’m building in public

build 012025–present

PageForge

An AI-powered landing page builder for B2B SaaS: six specialized agents that research, write, design, and audit a page end to end.

  • #AI-agents
  • #marketing
  • #B2B-SaaS

read more →github ↗

build 032025–present

Asphalt

An open source SDK and backend that detects and maps potholes and speed bumps using smartphone sensor data.

  • #open-source
  • #civic-tech
  • #mobile-sensors

read more →github ↗

from the library

browse the full library →

open source

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