Growth Footprint Oxigen has a large nationwide retail network with 200,000 outlets and 3 million wallet users, plus 600 million annual transaction volume. Sales opportunities include expanding merchant acquisition, upgrading cross-sell of wallet features, and deepening partnerships with banks and retailers for AEPS, Bharat QR, UPI, and NFC payments.

Banking Partnerships As a National Business Correspondent for SBI and RBL Bank with extensive BC agent reach, Oxigen is well positioned to offer white-label or co-branded digital banking solutions, wallet integrations, and remittance corridors to financial institutions seeking last-mile reach and real-time payment processing.

Aadhaar Enabled Oxigen’s Aadhaar-based branchless banking and AEPS capabilities create opportunities to pitch regulatory-compliant KYC solutions, cash-in/cash-out services, and merchant onboarding efficiencies to banks, microfinance institutions, and government onboarding programs.

Tech & Security With a tech stack spanning AWS, Google Cloud, and robust payment rails (Rupay, Visa, Mastercard, UPI, BNPL-like wallet features), there is scope to offer enterprise-grade cloud-based payment orchestration, fraud prevention, analytics, and merchant loyalty integrations for corporate clients and large networks.

Revenue Scale Oxigen processes billions of transactions and targets continued volume growth; selling value-added services such as loyalty programs for corporates (e.g., FuturePay), merchant incentives, and optimized remittance solutions can drive higher ARPU and wallet usage among mid-market and enterprise clients.