PayNearby is India's leading branchless banking and digital payments network. It operates on a B2B2C model, partnering with local retail stores to offer services like cash withdrawal, remittance, Aadhaar banking, bill payments, and more[1][5]. The target audience includes local communities across 20,000+ PIN codes[1]. The unique selling proposition is its ability to provide financial inclusion by transforming retail stores into fintech hubs, making high-end technology accessible at the grassroots level[1][5]. This empowers both retailers and customers in rural and urban areas, promoting digital and financial inclusion nationwide.