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this company is valued at 2.8 billion just by using QR codes it all began with demonetization when people started moving towards digital banking systems but at the same time platforms like paytem and phone pay started imposing a 1.5 percent commission on Merchant transactions thatamp;#39;s when Ashner Grover and his co-founder launched Bart pay in 2018 they made it free for both customers and Merchants to make transactions without any commission but how did they make money they started providing unsecured loans ranging from ten thousand to Seven Locks charging a two percent interest rate subscribe for more