Hi,

I write to make sense of the things I’m working on and learning from — mostly around products, money, and technology. Writing helps me think more clearly, and sometimes those ideas are useful to others too.

Topics I often return to

  • Money → cross-border payments, CBDCs, and how digital currency is evolving.

  • Product → frameworks, models, and ways to bring clarity to messy execution.

  • Technology → how AI, automation, and tools compound what builders can do.

  • Founder Journey → reflections from building companies and side projects.

I’ve spent 16+ years across telecom, fintech, retail and building digital platforms, and I’m currently building in cross-border payments. Along the way, I’ve collected some patents and plenty of mistakes. The most valuable lessons have always come from the latter.

This publication is where I try to capture those lessons.

You can read about my beliefs.

— Dipender


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Structured thinking on product building, tech leverage, and the future of money.

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Founder-operator writing about product thinking, startup execution, and building clarity in a noisy world. Currently building MoneeFlo. Ex-Jio, Airtel. 8 US patents in blockchain.