The Great Indian Fintech Lie: How RBI Killed the "Loophole Economy"

Описание: Kya aapne notice kiya hai ki aapka Credit Limit achanak kam ho gaya hai? Ya aapki favorite BNPL app ab kaam nahi kar rahi? Yeh koi technical glitch nahi tha. Yeh ek "Kill Switch" tha. Pichle 5 saalon mein humein bataya gaya ki Indian Fintechs "AI" aur "Tech" par chal rahe hain. Lekin sachai yeh thi ki wo Regulatory Arbitrage (kanoon mein loopholes) par chal rahe the.

The Story: Is video mein hum RBI aur Fintech Founders ke beech chal rahe "Cat and Mouse" game ko decode karenge. 2022 ke "Fake Credit Card" scam se lekar December 2025 ke "Connected Lending" ban tak... hum un 5 Loopholes ko expose karenge jinhone $100 Billion ki industry khadi kar di thi. Aur kaise RBI ne ek-ek karke inhe band kiya taaki India mein 2008 jaisa crisis na aaye.

Aap Kya Seekhenge:

Card Hack: Kaise Wallet ko Credit Card bana kar becha gaya.
Risk Weight: Kyun aapka loan reject ho raha hai (RBI Math).
FLDG Trap: ZestMoney ke band hone ka asli reason.
P2P Scam: "12% Return" aur "Instant Withdrawal" ka jhoot.
Connected Lending: Kaise Banks apne hi "Cousin" ko loan de rahe the.

Timestamps
0:00 - "Free Money" ka Zamana (Intro)
1:26 - Glitch #1: Nakli Credit Card Scam
4:27 - Glitch #2: BNPL ka Bubble Footna
6:58 - Kill Switch: RBI Risk Weight Hike
10:03 - Glitch #3: Fintechs ka "Dirty Secret" (FLDG)
12:03 - Glitch #4: Nakli Bank (P2P Lending Crisis)
14:46 - Connected Lending Loophole (Cousin Trap)
15:43 - Conclusion: Bharat ka Sub-Prime Crisis

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