EP957: Reprogramming Transaction Banking with Programmable Finance

Vaibhav Tambe, Co-founder & CEO, TransBnk

What happens when money becomes programmable? In this edition of The Big Interview, we spotlight how TransBnk is re-engineering transaction banking from the ground up.

Speaking with Co-founder and CEO Vaibhav Tambe, we explore how programmable finance allows businesses to embed logic directly into payments - releasing funds on milestone verification, automating sweeps, and reconciling in real time. The company’s recon-first architecture replaces end-of-day processes with continuous, rule-driven matching.

We also examine how Escrow-as-a-Service is opening secure, conditional fund flows to MSMEs, startups, and real estate players - capabilities once limited to large corporates. With 220+ clients and 40+ bank integrations, TransBnk is positioning itself as a treasury operating layer, built compliance-first and API-driven.

The larger ambition is clear: democratise sophisticated banking infrastructure and make intelligent money movement accessible at scale.