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PhonePe prepares for its IPO by focusing on its proprietary technology stack to achieve profitability. The company has invested Rs 33.73 billion since 2016 in a four-layer architecture, including self-managed data centers and a robust infrastructure for governance and data localization.

PhonePe aims to transition from scale-led growth to sustainable earnings through new high-margin business segments, handling peak transactions of 22,369 per second and maintaining a 94.37% customer support resolution rate. The success of this technology will determine its financial viability.