Setu offers low-cost, modular API infrastructure that enables clients to develop their fintech products or services quickly. Their APIs and software are used by hundreds of businesses to transform onboarding, payments, deposits, lending, and data empowerment for their customers. Recently, Setu was acquired by Pine Labs for $100 million, further strengthening their position in the market. Setu's mission is to make formal finance accessible to all by giving developers access to banking systems. They provide a sandbox for developers to build applications and offer a developer certification program to help them go live.