Roshni Kumari

Intro; ₹100 Coffee That Cost ₹10 Let me tell you a quick story. In 2010, my uncle bought a top-tier laptop for ₹45,000. Last month, I went to buy a comparable machine. The price tag? ₹95,000. Did the laptop get twice as good? No. But the rupee’s purchasing power did something predictable; it depreciated against the dollar & domestic inflation quietly ate away at our savings. For decades, the default Indian financial playbook was simple; put money in a savings account, maybe buy some physical gold, and ho...

A field guide for anyone who has never touched crypto but has definitely wished they could buy “a little bit” of a building. What is a Tokenization Supercycle ? Every few years, crypto people invent a phrase that sounds like hype until you look closely and realize it’s describing plumbing. Tokenization is simple; take a real thing a share of a company, a bond, an apartment building, a gold bar and issue a digital token that represents legal ownership (or an economic claim) on it. The token lives on a bl...

The shopkeeper who sold, but wasn’t paid Picture a chikankari workshop in Lucknow’s old city. Forty artisans embroider kurta sets for a garment brand in Delhi. The workshop delivers in March & the brand’s payment terms say “net 90” Meanwhile, the owner has to pay wages every week, buy thread & fabric in cash, pay the GST on that invoice to the government next month, even though no money has arrived. The workshop owner has made the sale and earned the revenue. The money is stuck in a waiting room. This h...