About me

 About Prem – Fintech, Deep tech and B2B SaaS

Hey, I'm Prem Kumar — an 18-year-old fintech, deeptech and B2B SaaS analyst from a small town in Bihar, India.

With 1.5+ years diving deep into the chaos of blockchain, AI-driven finance, and cybersecurity, I've built this space (Engaging Point) to cut through the hype. No "get rich quick" BS — just real breakdowns of what's working in 2025, from RBI-mandated AI saving banks ₹1,140 Cr in fraud to spotting the $2.2B crypto hacks hitting Indians hardest.

What you'll find here:

- Head-to-heads on Blockchain SaaS like Alchemy vs. Infura (spoiler: Ankr's scaling DeFi without $2,500/month node fees)

- 10-step security guides to shield your ₹50 Lakh portfolio from phishing and seed phrase leaks

- India's AI fintech evolution: UPI to robo-advisors managing $1.26T, with checklists to earn ₹50K/month freelancing tools like Deepseek

- Trends like embedded finance exploding to $7.2T by 2030, and why 95% of AI ROI fails (plus the 5% framework that doesn't)

I've tested these tools myself — from halving my workweek with Notion AI to tokenizing RWAs on Layer-2s. My pieces pull from on-chain data, NASSCOM reports, and exchanges like Bybit, always with India-first angles (think PhonePe integrations and rupee-stablecoins).

Affiliate disclosure:- Some links earn me a small commission — at no extra cost to you — to keep this independent.

Building in public from Bihar to the blockchain. Got questions on ZK-Proofs, post-quantum crypto, or your next SaaS stack? Hit me up on LinkedIn (linkedin.com/in/prem-kumar-74a351384) or drop a comment. I reply fast. 

Let's decode the future together.

— Prem Kumar  

Fintech, Deep tech and B2B SaaS analyst| Publisher of Engaging Point | Last updated: Dec 08, 2025

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