Built on BharatChain — India's own L1 blockchain

India's Global
Payment Layer

Everything UPI does — and everything UPI cannot. Cross-border remittances at 0.1%, compliant DeFi, real-world asset tokenisation, and 22 Indian languages. Built for Bharat. Built for the world.

Cross-border remittances
FIU-IND compliant DeFi
RWA tokenisation
22 Indian languages
Native UPI bridge
Micro-fees under ₹0.01
Download Whitepaper Explore Features
91M
Indian crypto users
$135B
Annual remittances to India
1B
$SMRD total supply
0.1%
Remittance fee
Six gaps UPI leaves open — Samrudo fills every one
🌍
No cross-border
UPI can't send to UAE, UK or USA. Samrudo does in 30 seconds.
🏦
No DeFi
UPI has no lending or yield. Samrudo has FIU-compliant DeFi.
🗺️
No regional languages
All crypto is English-only. Samrudo supports 22 Indian languages.
🏠
No RWA access
Gold and real estate untokenised. Samrudo puts them on-chain.
💸
High remittance fees
SWIFT charges 4–8%. Samrudo charges 0.1%.
💼
No freelancer layer
Earn USD globally, spend via UPI locally — no exchange needed.
Core Features

Six things no other
Indian crypto has built

Samrudo is not another exchange token. It is a complete financial infrastructure layer for India's 91 million crypto users and 32 million global diaspora.

📱
Native UPI Bridge
Scan any UPI QR code and pay directly from your Samrudo wallet. No exchange needed. Works with every merchant, auto-driver, and kirana store on UPI.
Payments
🌐
22 Indian Languages
The first crypto wallet built for Tier 2, 3 and 4 India. Hindi, Tamil, Telugu, Marathi, Bengali, Gujarati and 16 more — every scheduled language supported.
Accessibility
⚖️
FIU-IND Compliant DeFi
Lending, staking, and yield products that satisfy India's Financial Intelligence Unit regulations. Legal DeFi — not a grey zone. KYC via Aadhaar eKYC built in.
DeFi
🏘️
RWA Tokenisation
Digital Gold (1 DGLD = 1 gram), fractional Mumbai real estate from ₹100, and NCDEX-backed agri commodity tokens. India's largest asset classes on-chain.
Real-world assets
✈️
0.1% Remittances
Send money from UAE, UK, USA or Singapore to any Indian UPI address in under 30 seconds. SWIFT charges 4–8% and takes days. Samrudo charges 0.1% instantly.
Cross-border
💼
Freelancer Layer
India's 15 million freelancers can receive USD globally into Samrudo, auto-convert to INRX, and spend via UPI — with ITR-compatible income reports generated automatically.
Gig economy
Tokenomics

$SMRD — 1 billion supply,
fixed forever

Deflationary by design. 20% of all UPI bridge fees are permanently burned — supply shrinks as the network grows.

Token name Samrudo
Ticker $SMRD
Total supply 1,000,000,000
Blockchain BharatChain (L1)
Consensus DPoS — 21 validators
Block time 1.5 seconds
Transaction fee Under ₹0.01
🔥 Burn mechanism: 20% of all UPI bridge fees permanently burned — creating deflationary pressure aligned with network growth
Token allocation
Community & Ecosystem35%
Reserve Fund15%
Founders & Team (4yr vest)15%
Investors & Advisors12%
Liquidity Provisioning10%
Staking Rewards (10yr)10%
Public Sale / IDO3%
Roadmap

36 months to Tier 1

Start lean. Build trust. Scale into the world's biggest exchanges on the back of proven traction and real users.

Q3 2026
Foundation
Trademark filing (IP India + USPTO), domain registration, core team formation, whitepaper publication, pitch deck, incubator applications
Q4 2026
Build & Audit
BharatChain testnet launch, smart contract development, CertiK security audit, seed funding raise of ₹50L–₹1Cr
Q1 2027
Mainnet & DEX
BharatChain mainnet launch, Samrudo Wallet beta (Hindi + English), DEX listing on Uniswap and PancakeSwap, initial liquidity
Q2 2027
UPI Bridge & India Exchanges
UPI bridge v1 launch, 22-language wallet, CoinDCX and WazirX listing, 1 lakh wallet target, INR trading pairs
Q3 2027
Diaspora Corridors
UAE remittance corridor launch, FIU-IND VASP registration, DeFi lending pool v1, 10,000 monthly remittance users
Q1 2028
RWA & Global Scale
Digital Gold launch, fractional real estate tokens, SIP mode, 10 lakh wallets, Bybit listing, UK and USA corridors
Q2 2028
Tier 1 Applications
Agri commodity tokens, governance DAO, Binance and Coinbase listing application, Top 500 CoinMarketCap target
📄
Read the Whitepaper

13 sections covering BharatChain architecture, tokenomics, FIU-IND compliance strategy, UPI bridge design, RWA tokenisation, and the full go-to-market roadmap.

⬇️ Download Whitepaper (v1.0)
Get in Touch

Partner with Samrudo

Whether you're an investor, exchange, regulatory body, or potential team member — we want to hear from you.

📧
Email
contact@samrudo.io
💬
Telegram community
t.me/samrudo
🐦
X (Twitter)
@samrudo_io
💼
LinkedIn
linkedin.com/company/samrudo
🐙
GitHub
github.com/samrudo
Seed round open
We are raising ₹50L–₹1Cr to build BharatChain testnet, complete the security audit, and launch the UPI bridge. Reach out to discuss terms.