How Paytm is secretly KILLING Phonepe and Bharatpe? : Detailed Business CaseStudy

Phonepe and Paytm are 2 of the most formidable players in the fintech industry of India, and in the past 1.5 years, the trajectories of both these companies have been the complete contrast of each other. While Phonepe beat every other company to become a market leader in UPI volumes, paytm has had a terrible run at the stock market!!! and we all know why??

But while most people including myself were looking down at paytm thinking it to be yet another ballooned start up, what i strangely discovered is that paytm has made some extraordinary progress in the past 2 years.

What exactly is this Secret project that Paytm has been working on?
How is this secret project changing the dynamics of the digital payments industry?
How is it helping paytm become profitable?

https://www.youtube.com/watch?v=7TcG9cPj2gA