Niraj Kumar

Niraj Kumar

Fintech Backend Architect
#98330541 follower4 following
☀️ 2 day streak
>10,000All time
5 KP

About

I’m a fintech backend architect and technology lead at Payvizio, focused on building scalable payment infrastructure, gateway orchestration, wallet & ledger systems, banking API connectivity, and event-driven financial platforms. Over the last decade, I’ve worked across fintech, gaming, healthcare, and enterprise platforms, designing backend systems for real-time transactions, secure API integrations, reconciliation, settlement flows, webhooks, and cloud-native deployments. At Payvizio, I lead technology strategy for digital payments and banking integrations, building resilient, compliant, and business-ready financial products.

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Maker History

  • HabitMoneyBuild better money habits. Every day.
    May 2026
    • 🎉
    Joined Product HuntMay 20th, 2026

Forums

p/habitmoneyNiraj Kumar•

20h ago

Do you track expenses regularly, or only when money feels tight?

For many of us, expense tracking starts after we feel we ve overspent. But building a simple daily habit of tracking money can help us understand spending patterns, avoid surprises, and make better financial decisions.

With HabitMoney, we re trying to make money tracking simple, consistent, and habit-driven.

Niraj Kumar•

19h ago

HabitMoney - Build better money habits. Every day.

HabitMoney stands out by focusing on building better money habits, not just tracking expenses. It helps users understand spending patterns, stay consistent with daily money decisions, improve savings awareness, and manage finances through a simple, beginner-friendly experience. Instead of overwhelming users with complex dashboards, HabitMoney keeps money management practical, clear, and habit-driven.
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