Without Us, AI Just Talks; With Us, It Transacts: Razorpay CEO Harshil Mathur on the Launch of RAY Agentic-AI at FTX ’25
The future of AI-driven finance is here, and Razorpay is leading the way with its groundbreaking RAY Agentic-AI. Announced at Razorpay FTX ’25, this next-generation AI agent redefines how businesses handle financial operations, automating transactions, optimizing security, and streamlining processes in real-time.
AI-Powered Transactions: The Future of Business Finance
Imagine a world where AI agents don’t just assist but actively execute tasks—booking flights, planning itineraries, or securing your Coldplay tickets before they sell out. Agentic-AI is poised to revolutionize industries, and according to Gartner, by 2026, over 80% of enterprise software will incorporate AI-driven decision-making.
The financial services industry is an ideal proving ground for this transformation. With its digital-first infrastructure and data-centric operations, AI can seamlessly integrate with existing systems to optimize transactions. Businesses managing millions of daily transactions need AI solutions that not only assist but autonomously manage, execute, and secure financial operations in real time.
Razorpay’s AI-Driven Financial Ecosystem
At Razorpay, AI is at the core of its product suite. The company’s AI-powered engine, Razorpay AI-Nucleus, drives its payment infrastructure, making financial transactions faster, safer, and more efficient. Building on this foundation, Razorpay introduced RAY—an AI assistant designed to streamline e-commerce financial operations. Now, Razorpay is pushing AI innovation further with the launch of RAY Agentic-AI, a revolutionary toolkit designed to make financial operations seamless, autonomous, and intelligent.
Key Features of RAY Agentic-AI:
RAY Onboarding Assistant: Reduces business onboarding time by 10x through AI-powered auto-filling, document verification, and eliminating manual data entry.
RAY Co-Pilot (AI Developer): Simplifies payment gateway integration by automating code generation, testing, and deployment.
RAY Concierge: A 24/7 real-time payment analyst that monitors 20+ critical metrics, detects potential failures, and proactively alerts businesses before issues arise.
RAY Agentic-AI Toolkit: Enables one-click, AI-driven transactions without checkout redirections, ensuring a seamless commerce experience.
AI That Acts, Not Just Assists
Unlike conventional AI tools that provide recommendations, RAY Agentic-AI takes real-time actions based on data-driven insights. It autonomously executes financial transactions, adapts to different business needs, and eliminates friction from the payment journey.
“RAY Agentic-AI is set to redefine intelligent financial automation. Soon, when your AI assistant finds the perfect hotel or limited-edition sneakers, you won’t need to manually complete the purchase. Payments will happen seamlessly, without redirections or interruptions, making transactions completely frictionless,” said Harshil Mathur, Co-founder and CEO of Razorpay, at FTX ’25.
The Future of Finance: Predictive and Proactive
With RAY Agentic-AI, payments will no longer be a conscious task—they will become an organic part of digital interactions. Businesses will no longer react to financial needs; instead, AI-driven automation will anticipate and execute transactions proactively.
“The future of finance isn’t just about managing money—it’s about making it move at the speed of ambition,” Mathur stated. “As India leads the global innovation race, the demand for intelligent, autonomous financial solutions has never been higher.”
Beyond payments, Razorpay is leveraging AI to transform financial operations—from automating payroll to predictive analytics, enabling businesses to thrive in an era where payments are intelligent, transactions are autonomous, and finance operates seamlessly in the background.
With RAY Agentic-AI, Razorpay is not just enhancing payments—it is revolutionizing the future of digital finance.
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