Paying for things digitally is now a part of daily life – but this wasn’t always the case. In 2013, long before the reality of cashless payments had become the norm in many parts of India and the world, Amrish Rau co-founded Citrus Pay, an online payment provider built with a mobile-first focus. This was one of many ventures in his two-decades-long journey to pioneer India’s payment ecosystem in the digital age, culminating in his most recent appointment as CEO of Pine Labs. On this episode of Moonshot, Peak XV Managing Director, Shailendra Singh, speaks with Amrish about his early life and how it defined his approach to company-building, his transition from Citrus Pay to Pine Labs, and how building a company with a heart will help a startup as it scales.