Planned: BharatChain — India's own L1 blockchain

India's Global
Payment Layer

Our vision: everything UPI does, and everything UPI cannot. Planned: cross-border remittances for around 1% or less, compliant DeFi, real-world asset tokenisation, and 22 Indian languages. Built for Bharat. Built for the world.

Prototype stage. The $SMRD token runs on the Polygon Amoy test network and has no monetary value. Everything else on this site is planned, not yet built.
Cross-border remittances
Planned: compliant DeFi
RWA tokenisation
22 Indian languages
Native UPI bridge
Network fees under ₹0.01
Download Whitepaper Explore Features
91M
Indian crypto users
$135B
Annual remittances to India
1B
$SMRD total supply
~1%
vs 4–8% bank fees
Six gaps UPI leaves open — Samrudo fills every one
🌍
No cross-border
UPI can't send to UAE, UK or USA. Samrudo aims to do it in about 30 seconds.
🏦
No DeFi
UPI has no lending or yield. Samrudo plans compliant DeFi.
🗺️
No regional languages
All crypto is English-only. Samrudo plans to support 22 Indian languages.
🏠
No RWA access
Gold and real estate untokenised. Samrudo plans to put them on-chain.
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High remittance fees
SWIFT charges 4–8%. Samrudo charges under 1%.
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No freelancer layer
Earn USD globally, spend via UPI locally — no exchange needed.
Core Features

Six capabilities we plan
to build for India

Samrudo aims to be more than an exchange token: a financial infrastructure layer for India's 91 million crypto users and 32 million global diaspora. Everything on this page except the test token is planned.

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Native UPI Bridge
Scan any UPI QR code and pay directly from your Samrudo wallet. No exchange needed. Works with every merchant, auto-driver, and kirana store on UPI.
Payments · Planned
🌐
22 Indian Languages
The first crypto wallet built for Tier 2, 3 and 4 India. Hindi, Tamil, Telugu, Marathi, Bengali, Gujarati and 16 more — every scheduled language supported.
Accessibility · Planned
⚖️
Compliant DeFi
Planned lending, staking and yield products designed to meet India's FIU-IND requirements, with KYC built in. India has no dedicated crypto law, so the design will be reviewed by legal counsel before launch.
DeFi · Planned
🏘️
RWA Tokenisation
Digital Gold (1 DGLD = 1 gram), fractional Mumbai real estate from ₹100, and NCDEX-backed agri commodity tokens. India's largest asset classes on-chain.
Real-world assets · Planned
✈️
Under 1% Remittances
Send money from UAE, UK, USA or Singapore to any Indian UPI address in under 30 seconds. SWIFT charges 4–8% and takes days. Samrudo charges under 1% instantly.
Cross-border · Planned
💼
Freelancer Layer
Planned: freelancers would receive USD globally, convert to INR through a licensed partner, and spend via UPI, with income reports to help with tax filing.
Gig economy · Planned
Tokenomics

$SMRD — 1 billion supply,
fixed forever

Deflationary by design. 20% of all UPI bridge fees are permanently burned — supply shrinks as the network grows.

Token name Samrudo
Ticker $SMRD
Total supply 1,000,000,000
Blockchain BharatChain (L1)
Consensus DPoS — 21 validators
Block time 1.5 seconds
Network fee (per transaction) Under ₹0.01
Total remittance cost (target) Around 1% or less
🔥 Burn mechanism: 20% of all UPI bridge fees permanently burned — creating deflationary pressure aligned with network growth
Token allocation
Community & Ecosystem35%
Reserve Fund15%
Founders & Team (4yr vest)15%
Investors & Advisors12%
Liquidity Provisioning10%
Staking Rewards (10yr)10%
Public Sale / IDO3%
Roadmap

36 months to Tier 1

Start lean. Build trust. Scale into the world's biggest exchanges on the back of proven traction and real users. All dates are targets that depend on funding, legal advice and regulatory approval.

Q3 2026
Foundation
Domain registered. Trademark application (IP India) planned for December 2026. Whitepaper, pitch deck and prototype token published. Team formation and incubator outreach ongoing.
Q4 2026
Build & Audit
Prototype web portal on the test network, smart contract development, independent security audit (subject to funding), seed funding raise of ₹50L–₹1Cr
Q1 2027
Mainnet & DEX
BharatChain mainnet launch, Samrudo Wallet beta (Hindi + English), DEX listing on Uniswap and PancakeSwap, initial liquidity
Q2 2027
UPI Bridge & India Exchanges
UPI bridge v1 launch, 22-language wallet, CoinDCX and WazirX listing, 1 lakh wallet target, INR trading pairs
Q3 2027
Diaspora Corridors
Planned: UAE remittance corridor with a licensed partner, FIU-IND registration if required, DeFi lending pool v1. Target: 10,000 monthly remittance users
Q1 2028
RWA & Global Scale
Digital Gold launch, fractional real estate tokens, SIP mode, 10 lakh wallets, Bybit listing, UK and USA corridors
Q2 2028
Tier 1 Applications
Agri commodity tokens, governance DAO, Binance and Coinbase listing application, Top 500 CoinMarketCap target
LIVE ON POLYGON AMOY TESTNET

Try the $SMRD prototype token

The $SMRD token contract is deployed on the Polygon Amoy test network. It has no monetary value and is for demonstration only. Add it to MetaMask to see it in your own wallet.

Contract address (Amoy testnet)
View on Polygonscan
Requires the MetaMask extension or the MetaMask mobile in-app browser. The button will switch you to the Amoy test network first. Test tokens only. Do not send real funds.
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Read the Whitepaper

13 sections covering the planned BharatChain architecture, tokenomics, regulatory approach, UPI bridge design, RWA tokenisation and the go-to-market roadmap.

⬇️ Download Whitepaper (PDF)
Get in Touch

Partner with Samrudo

Whether you're an investor, exchange, regulatory body, or potential team member — we want to hear from you.

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Seed round open
We are raising ₹50L–₹1Cr to build BharatChain testnet, complete the security audit, and launch the UPI bridge. Reach out to discuss terms.