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Spense is a Bengaluru-based fintech infrastructure startup building bank-native technology that enables financial institutions to launch credit cards and credit lines backed by customer assets such as fixed deposits, mutual funds, equities, bonds, invoices, and real estate, without replacing their existing technology stack. Its platform connects core banking systems, deposit systems, and card management systems in real time, and layers agentic AI on top to automate onboarding, servicing, collections, and customer support at scale.

Company Founded in 2022

Fintech