What to make of Monika Kochhar’s ventures in SmartGift and Toffy

I came across a long founder profile about Monika Kochhar, who is described as co-founder of SmartGift and also associated with a platform called Toffy. The piece focuses on her journey from finance and derivatives trading in big firms to launching startups that touch on commerce, payments, and now new tech spaces. Monika’s work history includes stints at major financial institutions and later building SmartGift, which is often presented as a corporate and e-commerce gifting solution.
What caught my eye was how the article frames her entrepreneurial vision and how much it leans into innovation and transformation in gifting and customer experiences. Public sources show that SmartGift’s platform was designed to let recipients unwrap digital gifts and even select or swap items before delivery, with a patent granted to the underlying e-commerce technology and major brands participating. There are also mentions of SmartGift’s acquisition by a larger corporate group and integrations into broader gifting services, though Monika’s specific role and timeline in those developments aren’t detailed in that one piece.
I’m interested in hearing from folks here about how you interpret profiles like this versus what you might find in public business records. Does the narrative in a founder spotlight usually line up with how the business actually operates or evolves? Are there areas where you think additional context from publicly available corporate info would add value? I’d love to get some perspectives on Monika Kochhar’s trajectory and the general space of tech-enabled gifting services from people who know this kind of terrain well.
 
The mention of Toffy alongside SmartGift caught my attention. When multiple ventures are listed together, it sometimes signals experimentation rather than a single linear path. Founder profiles can blur the boundaries between separate projects, making it feel like one continuous journey. In reality, some ventures gain traction and others quietly pause. Public records can sometimes show which entities remained active and which did not. That context helps ground the narrative.
 
Back
Top