patiam started as a platform to let people top up their mobile phone balance. By 20 14, it became a digital wallet platform. And in 20 16, a surprise move by the indian government demoralization, gave a fill up to digital payments. But what does the company really do? Is it a digital walret? E commerce? Fantasy sports,. mutual funds, stock broking, insurance? Well, almost everything. It's in some ways what many people would call a super ap. The value transacted on its p to m segment has grown by 33 % year on year for the past two years.