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They were also the first Indian company YC ever invested in, and went through the W15 batch.\n\nIn this fireside at Startup School India, co-founder and CEO Harshil Mathur sat down with YC's Jon Xu to talk about the early days of building a payments company in India, the near-death moments that shaped the company's culture, and what he's learned about staying in founder mode ten years in.\n\nChapters:\n0:00 \u2013 Intro\n1:11 \u2013 Discovering the payments problem\n3:47 \u2013 Pivoting from education to startups\n6:49 \u2013 Building in a regulated market and the one-year wait\n9:10 \u2013 Losing conviction and finding it again through customers\n11:10 \u2013 The bank pulling the plug two weeks after Demo Day\n16:11 \u2013 Betting early on UPI before India's biggest banks\n23:50 \u2013 AI, founder mode, and what it takes to build for 10 years","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/X5bABLCuIHA\/default.jpg","https:\/\/i.ytimg.com\/vi\/X5bABLCuIHA\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/X5bABLCuIHA\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/X5bABLCuIHA\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/X5bABLCuIHA\/maxresdefault.jpg"],"uploadDate":"2026-05-06T12:00:57+00:00","duration":"PT31M35S","embedUrl":"https:\/\/www.youtube.com\/embed\/X5bABLCuIHA","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCcefcZRL2oaA_uBNeo5UOWg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCcefcZRL2oaA_uBNeo5UOWg","name":"Y Combinator","description":"All the world is changing around technology and you may contribute a line of code. 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