A bank-led mobile money ecosystem

designed for 100 crore Indians.

Delivering a cashless electronic debit platform compatible with any phone, on any UPI or non-UPI network.

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Keep your money in a bank, not on your phone.

Quisk makes paying a bill as easy as sending a text, all with zero sensitive information stored on your device.

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A low-cost way to accept payments

via any tablet, phone, or POS terminal.

Pay and accept payments as easily on feature phones as the most advanced smartphones.

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The Next Step in the Evolution of Money

  • 550 BC
  • 1540
  • 1770
  • 1935
  • 1997
  • 2016
  • Today

The innovation in money, currency, and financial transactions has reflected the cultural heritage and economic diversity of India for thousands of years, from traders carrying indian coins to the furthest reaches of the ancient world to Quisk, the all-digital electronic payment system of today.

  • Silver Punch-Marked Coins

    Some of the earliest use of coinage in the world was that issued by merchant guilds and late Japanadas of the Indian Vedic period. Debate remains about whether seals from the Mohenjo-Daro and Harrapa civilizations of 2500 BCE were a more ancient form of currency.

  • Sher Shah Suri's Rupiya

    For a 1500 year period India boasted the largest and most vibrant economy in the world, controlling over a third of all wealth and inventing credit instruments like loan deeds, pay orders, and hundis, the earliest form of remittance. In 1540 the Mughal sultan issued the first silver Rupiya.

  • Cash & Cashless Exchange

    In the turbulent years from 1770 to 1881, paper rupees were introduced by multiple government-sponsored banks across India. Cashless methods of payment also evolved, including cheques, bills of exchange, and promisory notes.

  • Founding of the RBI

    Following the First World War, the Reserve Bank of India was founded on April 1, 1935 to issue currency notes, maintain reserves, and ensure economic stability. RBI played an important role in the demonetization of 2016.

  • Internet Banking

    ICICI introduced the earliest internet banking in India, followed more recently by National electronic funds transfer, real time gross settlement, interbank payment systems, and electronic wallets for smartphone users.

  • United Payment Interface

    UPI is a nationwide digital transaction mechanism that enables users to make payments without having to key in card details or passwords. Quisk is fully compatible with both UPI and non-UPI networks.

  • Quisk Electronic Payment

    Quisk is a secure and all-digital alternative to physical cash that works with basic mobile phones as well as smartphones and offers all Indians a better way to save, spend, and manage money in a quick and easy way.

  1. Cattle

    Cattle and other forms of livestock are the first and oldest forms of money. The advent of agriculture meant grains, seeds, salt and tea were also used as mediums of exchange.

  2. Cowrie Shells

    Decorated mollusk shells were first used in China, and are the most widely and longest used currency in history. They were used on almost every continent, including in Africa as recently as the 20th century.

  3. Coins

    The first coins of silver or gold appeared in Lydia, part of present day Turkey. They took the familiar round form of today and were stamped with various gods and emperors.

  4. Paper Money

    Introduced more than 1000 years ago in China, paper money disappeared from use for several hundred years beginning in 1455, but not before it was brought to Europe by traders like Marco Polo.

  5. Gold Standard

    The British West Indies pegged its currency to the most widely used currency in the Caribbean, the Spanish gold doubloon, following Queen Anne's Proclamation in 1704 in an effort to control inflation.

  6. Credit Card

    Frank McNamara invented the first credit card—the Diners Club Card—in 1950. Since then, many other plastic cards with magnetic strips or embedded chips have been introduced to facilitate payment.

  7. Electronic Payment

    Using mobile devices, transactions can now take place in an entirely digital way. Quisk is the first central bank-sanctioned electronic payment system with complete and secure banking functionality.

Case Study:

Lowering the Costs of Cash

How a leading bank in Jamaica issued Quisk accounts to reduce their retail costs while increasing transaction volumes and adding new digital customers.

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Our technology digitizes any transaction, on any device an account holder is comfortable with.

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