Independent publication · Agastya Vatts
Notes on markets, credit, and the choices that shape how money moves.
Commentary
While headlines focus on oil prices soaring during conflict, the world's largest commodity trading firms are often making money somewhere else entirely.
As banks tighten lending, private credit is becoming the preferred source of capital for businesses, developers, and the next wave of India's economic growth.
Small monthly investments are reshaping how millions of Indians build wealth, replacing traditional saving with disciplined long-term investing.
Thin files, cash income, and legacy scoring models leave a generation invisible to lenders — and why alternative data is rewriting who counts as creditworthy.
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