System online · Software architect & founder

> builds system architecture, automation that heals itself, AI agents with a human on the brakes, Web3 infrastructure, payment rails

I design and build systems that keep working when the stakes are real: automation that runs when nobody is watching, payment rails, government platforms and SaaS products.

Role
Director & CEO
Company
Dinero Technologies
Base
Mumbai, India
Focus
Architecture · Automation · Web3

01About

Portrait of Amey Palav
Amey PalavMumbai, India

I'm a software architect who turned founder. I started out shipping mobile apps, spent two years architecting Web3 products in Dubai, and now run a company that delivers government-grade platforms, payment infrastructure and automation that businesses actually depend on.

6+

Years shipping production software

40+

Products designed and built

25+

Live deployments running today

4

Domains: GovTech, FinTech, Web3, SaaS

Toolchain

Core

  • TypeScript
  • Node.js
  • Postgres
  • Cloudflare Workers

Interface

  • Next.js
  • React
  • Telegram Mini Apps
  • Three.js

Web3

  • Solidity
  • Hardhat
  • Rust
  • Wallets

Automation & AI

  • n8n
  • Queues
  • LLM APIs
  • Agents

Now

Running Dinero Technologies

Building SaaS products across multiple domains, from compliance and hospitality to fintech, while delivering business automation and government solutions for organisations that need them to just work.

Start a conversation

Ship log

  1. Oct 2026BuildExchange OS core: ledger, custody, four trading modes, 100 tests green
  2. Oct 2026LaunchKagzaat live on Cloudflare Workers with Marathi and Hindi landing pages
  3. Oct 2026BuildVelour: salon billing, loyalty, DPDP tooling and nightly encrypted backups
  4. Oct 2026ReleaseHagrid adds a Solo plan for people posting for their own brand
  5. Oct 2026ReleaseLucifer Money: bulk USDT payouts in one wallet transaction
  6. Sep 2026LaunchChatOps live: risk-tiered autopilot with approvals over Telegram

02Work

Selectedwork

Products designed, architected and shipped end to end. Most are live; a few run behind a login.

01AI SaaS · 2026

Hagrid

The operating system for content agencies, and for anyone posting for their own brand. Plan every client's month, run the shoots, collect approvals on WhatsApp and publish to Instagram on schedule, with an AI producer that flags what is about to slip.

Next.js 16PrismaPostgresAI producerInstagram APIRazorpay
Visit live
Hagrid interface
02Compliance SaaS · 2026

Kagzaat

Client documents for CA firms, collected without the chasing. A checklist opens when a GST, TDS or ITR period ends, reminders go out on WhatsApp and email in English, Hindi or Marathi, clients upload from a link on their phone, and a partner approves.

Next.js 16Cloudflare WorkersSupabasePostgres RLSR2WhatsApp
Visit live
Kagzaat interface
03AI automation · 2026

ChatOps

Every WhatsApp and Instagram conversation in one inbox, with AI that knows when not to answer. Risk-tiered autopilot replies, lead scoring, bookings from chat and approvals from your phone.

Next.js 16SupabasePostgres RLSWhatsAppInstagramAI agents
Visit live
ChatOps interface
04Automation · 2026

Automation OS

Custom business automation, run as a service by Dinero Technologies. Each client gets workflows built around how their team already works, on a server they own, with a watchdog that treats silence as a failure and repairs it.

n8nDockerPostgresAI agentsWatchdogVerified backups
Visit live
Automation OS interface
05Payments · 2026

PayGateway

Crypto payments that behave like any other checkout. USDT on Polygon, BSC and TRON, hosted checkout, payment links, POS, signed webhooks, an SDK and a WooCommerce plugin.

Node.jsReactUSDTWebhooksSDKWhite-label
Visit live
PayGateway interface
06Web3 forensics · 2026

Crypto Intel

A blockchain investigation platform. Traces funds across Bitcoin, Ethereum, Tron and BNB, detects laundering patterns and produces evidence with chain of custody.

Neo4jBullMQPostgresRedisReact484 unit tests
Private deployment
Crypto Intel interface
07White-label SaaS · 2026

VIPClub

A membership platform for premium nightlife venues. Rotating-QR passes, tier-gated events, table bookings, a browser door scanner and a branding studio per club.

Next.js 15FastifyPostgresRazorpayMulti-tenant
Visit live
VIPClub interface
08Web3 infrastructure · 2026

GameFi Rails

Financial rails for Web3 game economies. Embedded player wallets, a hybrid exchange on a Rust matching engine, NFT marketplace, treasury and a double-entry ledger.

RustTypeScriptMatching engineLedgerWallets
In development
GameFi Rails interface
09AI FinTech · 2026

RiskOS

One entity graph, six risk lenses. Risk scores with AI narratives, early-warning triggers, supply-chain and ESG risk, and a contagion graph for lenders and corporates.

Next.js 16PrismaNeonAI narrativesGraph
In development
RiskOS interface

03Automation

Automation thatfixes itself

Most of what I ship has automation at its core. Workflows that run on infrastructure the client owns, AI that drafts while a person approves, and a watch layer that treats silence as a failure. An automation that quietly stops looks exactly like one with nothing to do, so the part I care about most is noticing.

  • Lead intake, invoice reminders, quote follow-upsDinero automation
  • AI replies with a risk-tiered autopilotChatOps
  • Approvals from a phone over TelegramChatOps
  • Scheduled Instagram publishing and an 8 AM AI briefHagrid
  • COD confirmation and abandoned-cart recoveryCartOS
  • Document chasing on WhatsApp in three languagesKagzaat

04Expertise

What I'mtrusted with

MOD_01

System architecture

I design the whole system before the first screen: data model, service boundaries, failure modes and the audit trail. Multi-tenant SaaS on Postgres row-level security, append-only ledgers, offline-first sync, and cores built to be white-labelled.

Multi-tenancyPostgres RLSLedgersQueuesRBACAudit trails
MOD_02

Automation & AI

Workflows that run unattended and report in, so a stopped job is caught in minutes rather than weeks. AI that drafts, scores and routes, with a person approving anything that touches money. Built on the client's own server and wired into WhatsApp, Telegram and the tools the team already uses.

n8nAI agentsLLM APIsWhatsAppTelegramWatchdogsQueues
MOD_03

Web3

Smart contracts, wallets and on-chain data, built for people who never want to think about a blockchain. From tokenised assets and matching engines to tracing funds across chains.

SolidityEVMTRONTONHD walletsOn-chain analytics
MOD_04

Payment solutions

Payment rails that reconcile. Hosted checkouts, payment links, POS, subscriptions, refunds, settlement and signed webhooks, in both crypto and fiat.

USDTRazorpayStripeWebhooksSettlementGST invoicing
MOD_05

GovTech delivery

Platforms for departments, municipal bodies and the firms that answer to them, where compliance, language and connectivity are requirements and not afterthoughts.

GeofencingBilingual UXOffline-firstDPDPCERT-In
MOD_06

Product & mobile

I started in mobile and still ship the front end myself. Interfaces, motion and the small details that make a product feel finished.

Next.jsReactTelegram Mini AppsFlutterGSAPThree.js

05Journey

From appsto systems

Mar 2026 · Now

Director & CEO

Dinero Technologies Pvt. Ltd. · Thane, India

Leading a technology company that works across government systems, financial infrastructure and business automation, from structuring a project to building and operating it.

May 2024 · Feb 2026

Software Architect

Chainsense · Dubai, UAE

Architected Web3 and web products, owning the technical design from the contract and data layer up to the interface.

Dec 2023 · May 2024

Software Developer

Heckyl Technologies · Mumbai, India

Built mobile applications with Flutter for a financial technology company.

May 2023 · Dec 2023

Mobile Application Developer

Cerise Tech Solutions · Navi Mumbai, India

Where it started: shipping Android and cross-platform apps with Flutter.

06Archive

More fromthe workshop

01

Exchange OS

White-label exchange core, working nameHono · Postgres · Double-entry ledger
02

Velour

White-label salon platformCloudflare Workers · Supabase · Razorpay
03

RWA Platform

Tokenised real-world assetsSolidity · Hardhat · Polygon testnet
04

Lucifer Money

Telegram mini-app onrampTelegram · Neon · Lucifer Pay
05

Project Monitoring OS

Government project intelligenceFastify · PostGIS · React
06

Lucifer Pay

White-label payment gatewayReact · Node.js · USDT
07

LuciferChat

Anonymous encrypted messengerReact · Firebase · AES-GCM
08

TreasuryOS

Stablecoin treasury platformTurborepo · Prisma · BullMQ
09

VillaOS

Villa booking and operationsNext.js · Prisma · Auth.js
10

Catalogue OS

White-label product cataloguesNext.js · Express · Firebase
11

DineOS

Restaurant operating systemReact · Node.js · WhatsApp
12

Bookfolio

Portfolios that take bookingsNext.js · Stripe · Neon
13

KarSetu

Property tax transparencyBilingual · Audit chain
14

CartOS

Commerce automation for ShopifyNext.js · BullMQ · grammY
15

EduPulse AI

Paper tests to concept insightNext.js · Prisma · AI
16

Astro Arena

Telegram mini-app gamesReact · TON Connect · Drizzle