In India, managing a couple’s finances for decades meant either getting married and opening a joint bank account (after a lot of paperwork) or splitting expenses uncomfortably using applications like Splitwise, Paytm, or simply doing the arithmetic in your head.
However, what if a third option existed?
The first zero-balance digital joint account created especially for couples in India is called Coupl®. Not just married couples. Not just straight couples. All couples.
Relationships have evolved in modern urban India, but financial instruments have not. Even while young couples are living together, dating for extended periods of time, sharing Netflix accounts, and splitting grocery expenditures, they continue to manage their finances in awkward, fragmented ways.
They need a method of handling shared funds that was safe, equitable, and simple—one that did not require family members, paperwork, or uncomfortable bank trips.
Coupl is useful in this situation.
A fintech software called Coupl, financed by Y Combinator, enables couples to create a digital shared wallet in as little as 60 seconds. There is no minimum balance. No visitors for KYC. You don’t need a bank account.
Each partner receives a virtual or real RuPay card, and they may use the app to load funds, monitor joint expenditures, and create a budget.
It’s like your personal relationship finance manager, but smarter and far more aesthetic
Two engineers, Srinivas Sarkar (BITS Pilani) and Kushagra Manglik (IIT Kanpur, former IBM), established Coupl because they recognized that managing a couple’s finances requires more than just arithmetic; it also requires timing, trust, and openness.
With the help of Y Combinator, Entrepreneur First, and angel investors, they founded Coupl, which is now one of the most innovative early-stage fintechs in the relationship market in India.
Coupl is certainly addressing a significant issue for Gen Z and Millennial couples in India, as seen by the creation of over 40,000 joint wallets and ₹3 crore in shared transactions (all organic, no sponsored advertisements).
It’s about developing financial connection, not simply about money.
Money is never simply money at the end of the day. It’s customs, boundaries, and dreams that are wrapped in rupees.
Coupl helps consumers create meaningful talks in addition to helping them divide expenses. Perhaps it is the true revolution.
Written By:
Kesar Khatri
