{"id":2471,"date":"2025-05-05T19:09:13","date_gmt":"2025-05-05T11:09:13","guid":{"rendered":"https:\/\/deekpay.com\/?p=2471"},"modified":"2025-05-05T19:09:13","modified_gmt":"2025-05-05T11:09:13","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/","title":{"rendered":"Can Indian payments and cryptocurrencies combine?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts35.mm.bing.net\/th?q=paytm34\" alt=\"Can Indian payments and cryptocurrencies combine?\" title=\"Can Indian payments and cryptocurrencies combine?\"><\/p>\n<p>The combination of payment platforms and cryptocurrencies in India is a complex but promising area that is currently subject to multiple influences of policy, technology and market demand. Here is an analysis of the key points:<\/p>\n<hr>\n<h3><strong>1. Regulatory status<\/strong><\/h3>\n<ul>\n<li><strong>Vague but tightened positions<\/strong>::<br \/>\nThe Reserve Bank of India (RBI) had banned banks from handling cryptocurrency transactions (the ban was overturned by the Supreme Court in 2020), but the government is still working on a comprehensive framework.301 TP3T capital gains tax and 11 TP3T TDS on crypto assets in 2022, in a disguised way to recognise their existence while discouraging speculation.<\/li>\n<li><strong>Possible directions<\/strong>::<br \/>\nPayment platforms may be allowed to integrate compliant crypto assets if India launches a central bank digital currency (CBDC) or explicitly licenses private stablecoins.<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. Technical feasibility<\/strong><\/h3>\n<ul>\n<li><strong>Adaptation of existing payment infrastructure<\/strong>::<br \/>\nSystems such as UPI will need to be modified to support cryptocurrency settlements. Private blockchains or federated chains (e.g., enterprise Hyperledger) are more likely to be accepted than non-public chains (e.g., Ether).<\/li>\n<li><strong>Hybrid Solution Examples<\/strong>::<br \/>\nFor example, instant conversion of cryptocurrencies to fiat currencies via a third-party gateway for settlement to merchants (similar to the BitPay model) avoids the legal risks associated with the direct use of crypto.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. Market needs and challenges<\/strong><\/h3>\n<ul>\n<li><strong>Requirement Scenarios<\/strong>::\n<ul>\n<li>Cross-border remittances (India is the world's largest recipient of diaspora remittances, crypto reduces fees and time).<\/li>\n<li>Web3 in-app payments (e.g. NFT, meta-universe goods).<\/li>\n<\/ul>\n<\/li>\n<li><strong>User threshold issues<\/strong>::<br \/>\nMost Indian users are used to the simplicity of UPI, with key management and volatility remaining obstacles. Hosted wallets or fiat-anchored tokens are easier to popularise.<\/li>\n<\/ul>\n<hr>\n<h3><strong>4. Potential modalities of cooperation<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>way (of life)<\/strong><\/th>\n<th><em>cutting edge<\/em><\/th>\n<th><em>exposures<\/em><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Crypto \u2192 UPI Gateway<\/td>\n<td>No direct bank involvement required<\/td>\n<td>TDS levy leads to fragmentation of liquidity<\/td>\n<\/tr>\n<tr>\n<td>RBI CBDC Integrated Private Chain<\/td>\n<td>Policy compliance<\/td>\n<td>Slow progress on CBDC<\/td>\n<\/tr>\n<tr>\n<td>Staking as a Service<\/td>\n<td>PoS tokens attract institutional funding<\/td>\n<td>SEC Regulatory Classification Controversy<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>5. Global Precedents to Watch<\/strong><\/h3>\n<ul>\n<li>\ud83c\uddf8\ud83c\uddec Grab Pay allows stablecoin top-ups in some markets<\/li>\n<li>\ud83c\udde7\ud83c\uddf7 Nubank Launches Bitcoin Trading Feature<\/li>\n<\/ul>\n<h3><strong>6. Specific paths for combining payments and cryptocurrencies in India<\/strong><\/h3>\n<p>Due to regulatory uncertainty, Indian payment platforms may need to adopt a phased, compliance-first strategy if they want to integrate cryptocurrencies. Here are the possible implementation paths:<\/p>\n<h4><strong>Phase 1: Stablecoin and CBDC trials (2024-2025)<\/strong><\/h4>\n<ul>\n<li><strong>Co-operative RBI's Digital Rupee (e\u20b9) Pilot<\/strong>::<br \/>\nPayment platforms can apply to join the Central Bank of India Digital Currency (CBDC) test to explore use cases such as automated smart contract settlements and cross-border remittances.<\/p>\n<ul>\n<li><em>case (law)<\/em>: Similar to the Ubin project in Singapore, banks use blockchain to clear each other.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Allow regulated stablecoins<\/strong>::<br \/>\nIf the government opens up some of the USD\/INR-anchored stablecoins (e.g. USDC), Paytm\/Pine Labs, etc. could provide fiat currency exchange access.<\/li>\n<\/ul>\n<h4><strong>Phase 2: P2P encrypted payment gateway (2025+)<\/strong><\/h4>\n<ul>\n<li><strong>Unmanaged wallet + UPI hybrid model<\/strong>::<br \/>\nUsers hold Bitcoin\/ETH through a 3rd party KYC wallet, but it is automatically converted to INR and transferred to the merchant's UPI account at the time of transaction. (Similar to the Indonesian Tokocrypto model).<\/p>\n<ul>\n<li><em>cutting edge<\/em>: Avoid direct exposure to cryptocurrency legal risks.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>Stage 3: Integration of DeFi with traditional finance (long-term vision)<\/strong><\/h4>\n<ul>\n<li><strong>Tokenised Real World Assets (RWA)<\/strong> : e.g. real estate or gold-backed tokenised notes are issued on a compliance chain and traded through authorised exchanges.\n<ul>\n<li><em>challenge<\/em>: SEBI is required to make rules for security-based tokens.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. Key Players to Watch<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>Institutions\/enterprises<\/th>\n<th>character<\/th>\n<th>motive power<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>RBI<\/td>\n<td>CBDC policy makers<\/td>\n<td>e\u20b9 Expansion of wholesale side to retail cross-border<\/td>\n<\/tr>\n<tr>\n<td>Paytm\/NPCI<\/td>\n<td>UPI lead party<\/td>\n<td>NFT markets support INR settlement<\/td>\n<\/tr>\n<tr>\n<td>CoinSwitch Kuber<\/td>\n<td>Local Compliance Exchange<\/td>\n<td>Possible \"crypto credit card\"<\/td>\n<\/tr>\n<tr>\n<td>Polygon<\/td>\n<td>India-based Layer2 chain<\/td>\n<td>Promoting Enterprise Private Chain + RWA Solutions<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>8. Risks &amp; Mitigations<\/strong><\/h3>\n<p>\u2705 <em><strong>sudden discontinuity in policy<\/strong><\/em> \u2192 Lobbying + Geo-fenced services (international users only).<br \/>\n\u2705 <em><strong>technical gap<\/strong><\/em> \u2192 Hybrid Custody programme (user-owned + insurance hosting).<br \/>\n\u2705 <em><strong>illiquidity<\/strong><\/em> \u2192 OTC market maker co-operation ensures fast fiat currency access.<\/p>\n<hr>\n<h3>The Bottom Line<\/h3>\n<p>In the short term, \"indirect integration\" (e.g. crypto \u2192 INR instant exchange) is the only viable model; the medium to long term depends on three variables:<br \/>\n1\ufe0f\u20e3 RBI's approach to private stablecoins<br \/>\n2\ufe0f\u20e3 Whether GST Council reduces crypto tax<br \/>\n3\ufe0f\u20e3 Global FOMO pressure (if SE Asian competitors succeed in forcing reforms).<\/p>\n<p>Suggest watching the new political winds after the 2024 election - experimental licensing could be accelerated if the ruling party is re-elected and the wave of Web3 start-ups continues. (Refer to UAE ADGM sandbox mechanism.)<\/p>","protected":false},"excerpt":{"rendered":"<p>The combination of Indian payment platforms with cryptocurrencies is a complex but promising area that is currently...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2471","post","type-post","status-publish","format-standard","hentry","category-usdt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u652f\u4ed8\u548c\u52a0\u5bc6\u8d27\u5e01\u80fd\u7ed3\u5408\u5417\uff1f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/05\/\u5370\u5ea6\u652f\u4ed8\u548c\u52a0\u5bc6\u8d27\u5e01\u80fd\u7ed3\u5408\u5417\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u548c\u52a0\u5bc6\u8d27\u5e01\u80fd\u7ed3\u5408\u5417\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u4e0e\u52a0\u5bc6\u8d27\u5e01\u7684\u7ed3\u5408\u662f\u4e00\u4e2a\u590d\u6742\u4f46\u5177\u6709\u6f5c\u529b\u7684\u9886\u57df\uff0c\u76ee\u524d&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/05\/\u5370\u5ea6\u652f\u4ed8\u548c\u52a0\u5bc6\u8d27\u5e01\u80fd\u7ed3\u5408\u5417\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-05T11:09:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts35.mm.bing.net\/th?q=paytm34\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5370\u5ea6\u652f\u4ed8\u548c\u52a0\u5bc6\u8d27\u5e01\u80fd\u7ed3\u5408\u5417\uff1f\",\"datePublished\":\"2025-05-05T11:09:13+00:00\",\"dateModified\":\"2025-05-05T11:09:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/\"},\"wordCount\":87,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ts35.mm.bing.net\/th?q=paytm34\",\"articleSection\":[\"\u5370\u5ea6USDT\u627f\u5151\u5546\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e5%92%8c%e5%8a%a0%e5%af%86%e8%b4%a7%e5%b8%81%e8%83%bd%e7%bb%93%e5%90%88%e5%90%97%ef%bc%9f\/\",\"name\":\"\u5370\u5ea6\u652f\u4ed8\u548c\u52a0\u5bc6\u8d27\u5e01\u80fd\u7ed3\u5408\u5417\uff1f - 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