It started with a friend's confession.

He's a Stanford grad, sharp with money, and had just moved to the US. When we asked how he invests back home, he admitted he was using his mother's account. "It's the least painful way to invest in India from here."

We didn't believe him, so we looked into what opening his own account would take: Could it actually be done digitally? Which documents needed to be notarised? Did he need to visit an embassy or consulate? Which forms applied to him, and where was he even supposed to begin?

For many NRIs, figuring this out from thousands of miles away is enough to make investing feel like a project. So they wait until they’re back in India to deal with it — when they can navigate the process in person.

And that was the part that surprised us most:
the problem wasn't that NRIs didn't want to invest in India. The process simply wasn't designed around how they live.

We started Rupeeflo to make it the last generation that puts up with it.