← vaibhav.sh

Building

Build

Fifteen years of shipping — from a payments startup I co-founded to AI tools I build alone on weekends. What I'm working on now and what came before.

Live

Resume Lens live Four-reader AI resume analyser — algorithmic scoring, AI analysis, and bring-your-own-key mode. Built end-to-end in a single Claude Code session.
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FIREfly live A FIRE calculator built as a destination object, not a one-time answer. Your FIRE number, your trajectory, and a place to come back to every quarter.
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Agent OS live A working multi-agent operating system for a single operator — nine specialised agents, MCP-connected, running daily. Open source.
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Exploring

B2K in progress Birthday gift pooling for children's financial education. The thesis: the 80/20 split between spending and saving, started at birth and compounded for eighteen years.
ReTurn.shop in progress Returns-fraud risk scoring for retailers. A wedge into the returns management stack, starting with the fraud signal that most platforms measure too late.

Built

Ruplee acquired 2016 Co-founded and built a digital payments platform from zero — product, engineering, and regulatory infrastructure. 500,000 customers. Acquired 2016.
MiCredit & MiPay Xiaomi · 2017–2019 Built credit and payments products inside Xiaomi's India financial services division. 40 million users. Zero-to-one product work in a market that moves faster than most.
Credit Risk Platform CoinTribe · 2016–2017 Built a Bank Statement Analyser and ML-based credit risk scoring and underwriting system for SME and SMB lending — one of the earlier applications of machine learning to alternative credit assessment in Indian fintech.