Decentro · FinOps Profile

Decentro Finops

FOCUS-aligned FinOps for Decentro: pay-per-API-call usage billing across six product categories, with bank-side and regulator-side surcharges (UPI/IMPS/NEFT/RTGS, Aadhaar, DigiLocker, credit bureaus) passed through. Rates are negotiated per merchant and not public.

Decentro Finops is the FinOps profile for Decentro on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 7 billable meters, billed in INR, on a monthly cycle, and pricing category pay-as-you-go + pass-through.

The profile maps 11 FOCUS columns for cost-allocation reporting.

Tagged areas include Banking-as-a-Service, FinTech, India, Payments, and FinOps.

Category: Banking-as-a-Service Pricing: Pay-As-You-Go + Pass-Through Billing: Monthly FOCUS v1.3
Banking-as-a-ServiceFinTechIndiaPaymentsFinOpsFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsageTaxAdjustmentRefund

FOCUS Columns

BillingCurrency
INR
ChargeCategory
Usage
InvoiceIssuerName
Decentro Tech Pvt Ltd
PricingCategory
Usage-Based
PricingUnit
request
ProviderName
Decentro
PublisherName
Decentro Tech Pvt Ltd
RegionId
IN
ServiceCategory
Banking-as-a-Service
ServiceName
Decentro
ServiceSubcategory
India FinTech Infrastructure

Meters

kyc_calls
Unit: request
KYC, onboarding, Aadhaar, and DigiLocker verification calls.
payment_transactions
Unit: transaction
Money-movement transactions across UPI, IMPS, NEFT, and RTGS rails.
virtual_account_operations
Unit: request
Virtual account create, fetch, balance, and reconciliation operations.
ledger_operations
Unit: request
Ledger journal, account, and transaction operations.
bytes_calls
Unit: request
Alternate-data and intelligence lookups.
scanner_calls
Unit: request
Forensics and document-fraud verification calls.
bank_passthrough_charges
Unit: transaction
Sponsor-bank and regulator surcharges passed through to the merchant.

Sources