Pramod Varma is currently the Co-Founder and Chief Architect of “Networks for Humanity” (NFH), an
international network of labs creating universal technology infrastructure for the AI driven digital
economy. NFH’s mission is to develop universal, interoperable infrastructure for the tokenization and
exchange of all forms of assets – both physical and digital – across geographies and sectors. These labs
aim to serve and enable a set of decentralized, interoperable, open innovation playgrounds,
empowering market participants and impact-driven organizations to build thousands of diverse
applications, unlocking billions of dollars in economic value.
Under NFH efforts, he co-created the Finternet vision—an initiative to build a universal infrastructure
that empowers individuals and businesses to unify, verify, and transact their assets seamlessly. This
vision aims to enable billions of people to actively participate in the global digital economy. He is also
the co-creator of Beckn Protocol, a vision for peer-to-peer, agentic native, open networks that enable
universal value exchange across the global value chains. He helped to launch Digital Energy Grid (DEG)
—a pioneering initiative that brings the Beckn vision to life for the future of energy networks.
Over the past 15 years, he has served as the Chief Architect behind many of India’s most impactful
Digital Public Infrastructure (DPI) initiatives, all of which now operate at population scale. These
include:
●Aadhaar, the country’s digital identity system covering 1.4 billion people that enabled banking
access to move from sub 20% to above 80% in a decade, reaching banking to villages, and helped
India lay world’s largest Government-to-Person (G2P) cash transfer infrastructure;
●UPI, the unified payments system launched in 2016, now processing over 18 billion transactions
monthly across 350 banks and 50+ million merchants;
●eSign, an interoperable digital signature protocol that enabled multiple market players to offer
instant, interoperable digital signature capability under the law;
●DigiLocker, a digital credentialing and wallet system hosting over 9 billion verifiable credentials
and serving more than 500 million users.
●Account Aggregator (AA) network, a decentralized, open finance infrastructure that spans banking,
capital markets, insurance, and taxation data – enabling individuals and businesses to access and
securely share their financial data in real time.
●Open Network for Digital Commerce (ONDC), a cross-sectoral, peer-to-peer commerce network
powered by Beckn, bringing 1000’s of small and large businesses to sell directly to consumers.
In addition to the above, he also played a key role in the design and architecture of transformative
digital systems across AI, taxation, healthcare, agriculture, commerce, transportation, and education.
He advises a range of population-scale digital transformation and AI efforts across Africa, Latin
America, Asia, and other regions, contributing to both the design and implementation of large-scale
systems. He also serves on the advisory boards of several public and private institutions globally and is
a regular speaker at leading international conferences.
Before 2009, he built a distinguished entrepreneurial career over nearly two decades, holding various
technology leadership roles with global responsibilities across the United States and India. This phase
of his professional journey laid a strong foundation in technological innovation, paving the way for his
later contributions to the digital infrastructure sector.
He holds a Ph.D. and a Master’s degree in Computer Science, as well as a second Master’s in Applied
Mathematics. He is deeply passionate about technology, science, society, and education.
