Curie Money & Lxme Expand UPI Access

In a boost for India’s fintech ecosystem, Curie Money has opened its UPI + investment application to all users following NPCI approval, while Lxme, a platform focused on women’s financial empowerment, launched LxmePay, a UPI facility exclusively for women. These moves signal growing innovation in India’s payment and investment space.

Curie Money Opens to All Users

• Curie was previously in a beta phase, restricted in access. After obtaining clearance from NPCI, the app is now available to all Android and iOS users.
• What makes Curie unique is that it merges payments and investment: unused funds are automatically invested into liquid mutual funds, and when a payment is made, the required amount is instantly redeemed from that fund and routed to the user’s bank account.
• Users can withdraw up to 90% of their mutual fund value (or ₹50,000, whichever is lower) instantly. Any remaining funds can be withdrawn within one working day. Curie has partnerships with ICICI Prudential Mutual Fund and Bajaj Finserv AMC for these investments.
• Launched in 2022 by Arindam Ghosh and Tushar Choudhary, Curie closed its seed round in December 2024 with $1.2 million backing.
• This model turns idle money into earning capital—while keeping it instantly accessible for payments—a fusion of liquidity and yield.

Lxme Rolls Out Women‑Focused UPI: LxmePay

Lxme, founded in 2021 by Priti Rathi Gupta and Ridhi Doongursee, has been serving women through financial planning tools, investment, insurance, and education modules.

With the launch of LxmePay, the platform adds a UPI payments feature targeted only at women users. Key features include,

• Digital gold rewards on transactions
• Cashbacks and long-term benefits
• Budget trackers and automated insights
• Exclusive UPI access features designed for women’s usage patterns

With a user community already over 400,000 women, LxmePay strengthens the brand’s mission to boost women’s financial control and inclusion.

Important Static Takeaways

• Curie Money: UPI + automatic investment in liquid mutual funds
• LxmePay: UPI service exclusively for women
• Curie allows instant redemption of up to 90% or ₹50,000 for payments
• Curie’s investment partners: ICICI Prudential, Bajaj Finserv AMC
• Lxme’s features: digital gold, cashback, budget tracking, automated insights