Paytm has one of the worst onboarding procedures i've ever come across

Yes! and if you are a foreigner you can't use it with your non indian credit card and if don't own a indian phone number you're out of luck.
That sucked hard when i was on india vacation. Because the concept is neat one app for everything. Although i think chinas WeChat system works better.

but you know whats awesome about india? Zomato, man i would love to order a freshly pressed juice and get it delivered within 10min for only $3. here in switzerland.