About NGDB.AI

Revolutionizing Global Trade Finance

Next-generation digital banking platform integrating AI-driven B2B eCommerce, embedded trade credit, and comprehensive financial services for the global SME ecosystem.

Our Vision

To create a seamless and interconnected marketplace for SMEs, traders, importers, and exporters through social media-enabled secure web and mobile applications, transforming global trade and finance into a cohesive, digitally-driven economic ecosystem.

Our Mission

To grow into a global marketplace focused on next-generation B2B eCommerce and financial services, directly connected to an innovative digital banking framework. We revolutionize customer acquisition through branded social media KYC and enterprise blockchain infrastructure.

$50M

Current Valuation

Pre-money valuation as of 2026

$100M

Projected 2027 Revenue

Anticipated annual revenue at scale

$2.5T

Trade Finance Gap

Global trade finance gap by 2027

350M+

Platform Experience

Users served through previous platforms

Leadership Team

Experienced leaders with proven track records in fintech innovation, global scaling, and strategic financial management.

Kumar Kushal

CEO & CTO

Transformational technology leader with 25+ years of proven experience in guiding C-suite strategies and developing data-driven financial solutions. Extensive track record scaling fintech innovations, managing multimillion-dollar budgets, and building secure, compliant transaction platforms across global markets.

Key Achievements

JioMoney Platform

Founded and scaled fintech platform serving 350M+ users

350M+ Users

Budget Management

Managed $120M budget at Fortune 100 company

$120M Budget

AI/ML Innovation

Developed MCP Agentic Learning platform with 91% accuracy

91% AI Accuracy

Global Operations

Led technology teams across 4 continents

Global Leadership

Professional Experience

Chief Technology Officer - Fortune 100

Jan 2012 - Dec 2017

Reliance Industries Limited

•

Mumbai, India

•Led initial Reliance Jio technology team of 120 engineers
•Managed $120M budget across telecom, banking, retail, and payments
•Built consumer data monetization engine with granular profiling
•Secured partnerships with American Express, Visa, Mastercard, FIS Global

Founding Board Member, CEO/CTO

2018 - Present

Private Equity Firms

•

Seattle, WA, New York, NY & Dubai, UAE

•Advised PE firms across NY, LA, Silicon Valley, and Dubai
•Founded CognitiveMind.AI with projected $15M revenue
•Transformed fintech operations for Zilbank.com and Zilmoney.com
•Engineered global trade finance and neo-digital banking platform

Founder | JioMoney & Reliance Payment Bank

2011 - 2018

Reliance Industries Limited

•

Mumbai, India

•Founded JioMoney fintech platform serving 350M+ users
•Established consumer data monetization with granular profiling
•Secured strategic partnerships enabling nationwide mobile commerce

Education

Master of Science, Robotics with AI focus - West Virginia University

Bachelor of Science, Aerospace Engineering - Indian Institute of Technology, Madras

Afzal Modak

CFO & Investment Advisor

Seasoned finance executive with a distinguished career in managing large-scale financial operations and strategic investments. Deep expertise in financial strategy, capital markets, and investment management, with a proven track record at leading global financial institutions.

Key Achievements

GE Capital Leadership

Managed multi-billion-dollar financial operations as CFO

Multi-Billion Operations

Investment Expertise

Partner at GSV Investment Fund managing tech portfolios

High-Growth Focus

Capital Strategy

Leading $30M Series A funding initiative for expansion

$30M Funding Round

Revenue Vision

Targeting $150M annual revenue and $100B GTV

$150M Revenue Target

Professional Experience

Chief Financial Officer

Present

Zil Money

•Developing financial model focused on profitability and scalability
•Leading Series A funding strategy to secure $30M investment
•Targeting $150M annual revenue and $100B GTV achievement
•Positioning company for successful IPO within three years

Chief Financial Officer

Previous Role

GE Capital

•Managed multi-billion-dollar financial operations
•Led strategic investments and financial planning initiatives
•Implemented comprehensive risk management frameworks
•Contributed to company growth through complex financial challenges

Partner

Previous Role

GSV Investment Fund

•Raised capital for high-growth technology companies
•Managed investment portfolios across technology sector
•Achieved significant revenue growth for portfolio companies
•Drove market expansion and scaling strategies

Our Values

Innovation

Leveraging cutting-edge AI/ML and blockchain technologies to transform traditional banking

Trust

Building secure, compliant platforms with enterprise-grade security and transparency

Global Impact

Empowering SMEs worldwide through accessible financial services and trade solutions

Ready to Transform Your Business?

Join the next generation of digital banking and trade finance. Connect with our team to learn how NGDB.AI can accelerate your growth.