ATOM — Fintech Pre Incubation Program

ATOM Fintech is the fintech version of the centre's twelve-week pre-incubation programme, for founders exploring or building a fintech idea. The 2025 cycle closed to applications in June 2025 and ended with a demo day in September 2025, so watch for the next one.

What you get

• Business model design using lean-stack methods, then problem/solution fit and solution/customer fit workshops, each followed by one-to-one guidance
• Optional masterclasses in legal, finance, intellectual property, fundraising, sales and marketing
• A mentor panel and expert-led sessions delivered with the Wadhwani Foundation's Liftoff programme
• Sandbox access on the FSS BLAZE platform, two licences per startup, hosted on AWS, with technical mentoring from BLAZE architects
• An enablement kit of developer kits, request collections, interface documentation and build blueprints, plus production readiness support
• Showcase and promotion at partner events

Who can apply

• Early-stage founders working on a proof of concept or MVP in digital payments and infrastructure, financial inclusion, lending and credit scoring, cybersecurity and fraud management, or climate-linked finance
• A registered company is explicitly not required to apply

What it costs: this is a paid programme with a fee payable to the centre before it starts. It states no equity position, and states that no grant or fund is provided at the pre-incubation stage.

How to apply: through the online application linked from the programme page.