Founded in 2009 by Bipin Preet Singh and Upasana Taku, MobiKwik began as a digital wallet for mobile recharges and has since evolved into one of India's leading fintech platforms. The company's mission is to build a digital credit card for 100 million Indians and provide accessible financial services to the unbanked and underbanked population. Its core offerings include the MobiKwik Wallet, UPI payments, bill payments, and a payment gateway for merchants. MobiKwik has expanded its portfolio to include digital credit through its 'ZIP' (Buy Now, Pay Later) service and wealth management products like mutual funds and digital gold through its 'Xtra' platform.