“Make sure all the choices you make in life come from a point of awareness and not ignorance.”

Siddhant Ryan Malhotra

200k+

YouTube channels with over 1 million subscribers

200k+

YouTube channels with over 1 million subscribers

200k+

YouTube channels with over 1 million subscribers

200k+

YouTube channels with over 1 million subscribers

Early life and education

Son of media veteran Pavan Malhotra, a pioneer in the channels, movies, music, and publishing industries, Rayan was determined to make his mark on the world outside his father’s shadows. From a young age, he developed a strong fascination with technology. He recalls cutting and pasting relevant tech articles in his scrapbook as a child. During his school days, he began publishing articles on technology in various newspapers and magazines.

Rayan started working at the young age of 17, after a pivotal incident in his teens taught him the value of money. He wanted an expensive pair of boots, but his parents denied him. After this, he took up a summer internship far from home with the intention of earning money himself. He had to travel two hours each way and work over 10 hours daily as an intern. This experience made him realize how much effort and hard work are required to earn even a small amount of money—money he had initially planned to spend on shoes. This incident changed his outlook on life, money, and time as he also realized what it would take to fulfill his bigger dreams and goals.

Career

YouTuber

Scaled YouTube channels to over 1 million subscribers.

Entrepreneur

Founder of multiple successful ventures, including innovative fintech products, scaling businesses and creating impactful solutions.

Investor

Active investor in tech startups, providing strategic guidance and capital to drive growth and innovation.

Mentor

Guides and supports aspiring entrepreneurs, helping them navigate challenges and scale their businesses to new heights.

Content Creator

Creates impactful and inspiring content for a YouTube audience of over 1 million subscribers.

Journey and Achievements

Rayan’s career began as a content writer, but his passion for digital marketing quickly led him to explore the world of growth and product strategies. Gaining hands-on experience across various domains, he helped startups scale by leveraging digital platforms and social media. 

Building on this expertise in product, growth, and marketing, Rayan expanded his focus to various sectors, including edtech and content, successfully driving the growth of multiple ventures. With a vision to revolutionize the fintech space, he founded KASHWARE, a startup based on his patented technology. 

As the Founder & CEO of KASHWARE, Rayan led the development of the company’s flagship product—a cutting-edge “All-in-one” payment card and app. This innovative solution seamlessly connects all credit/debit cards, bank accounts, and digital wallets into a single platform, offering users enhanced security, convenience, and rewards. 

Rayan’s groundbreaking work in fintech earned him recognition from the Reserve Bank of India (RBI) in April 2020, when KASHWARE received the prestigious Innovation in Payments & Settlement Systems award. This accolade, published in the RBI gazette, was just one of many awards and honors KASHWARE would go on to receive for its contributions to the payment ecosystem. 

Rayan Malhotra later launched SlayPay, India’s first-ever credit score builder card, which combines innovative finance management with user empowerment. The SlayPay app not only helps users build their credit scores through a payment card but also offers high returns on investments, positioning itself as a comprehensive financial solution. 

Despite limited marketing efforts, SlayPay achieved a remarkable milestone of 55,000+ signups even before its official launch, making it one of the most notable pre-launch marketing successes in the fintech space. 

Rayan remains highly active in the startup ecosystem, contributing as a mentor, investor, and entrepreneur. He is a member of several prominent groups and networks that support innovation and entrepreneurship. His own startups have attracted institutional funding from distinguished Indian and American investors, including TiE Global (South California), Nueva Capital, PointOne.VC, and others. 

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