Built on BharatChain — India's own L1 blockchain

India's Global
Payment Layer

Everything UPI does — and everything UPI cannot. Cross-border remittances under 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
Network fees under ₹0.01
Download Whitepaper Explore Features
91M
Indian crypto users
$135B
Annual remittances to India
1B
$SMRD total supply
~1%
vs 4–8% bank fees
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 under 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
✈️
Under 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 under 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
Network fee (per transaction) Under ₹0.01
Total remittance cost (target) Around 1% or less
🔥 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
LIVE ON POLYGON AMOY TESTNET

Try the $SMRD prototype token

The $SMRD token contract is deployed on the Polygon Amoy test network. It has no monetary value and is for demonstration only. Add it to MetaMask to see it in your own wallet.

Contract address (Amoy testnet)
View on Polygonscan
Requires the MetaMask extension or the MetaMask mobile in-app browser. The button will switch you to the Amoy test network first. Test tokens only. Do not send real funds.
📄
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 (PDF)
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
samrudo@outlook.com
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.