{"id":2993,"date":"2025-05-24T10:37:48","date_gmt":"2025-05-24T02:37:48","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2993"},"modified":"2025-05-24T10:37:48","modified_gmt":"2025-05-24T02:37:48","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e4%b8%8e%e5%8c%ba%e5%9d%97%e9%93%be%e7%9a%84%e7%bb%93%e5%90%88%e5%89%8d%e6%99%af","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/24\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e4%b8%8e%e5%8c%ba%e5%9d%97%e9%93%be%e7%9a%84%e7%bb%93%e5%90%88%e5%89%8d%e6%99%af\/","title":{"rendered":"Prospects of combining payments and blockchain in India"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts254.mm.bing.net\/th?q=phonepe253\" alt=\"Prospects of combining payments and blockchain in India\" title=\"Prospects of combining payments and blockchain in India\"><\/p>\n<p>The combination of the Indian payments industry with blockchain technology holds great promise, but also faces regulatory, technological and infrastructure challenges. The following analyses the trends and potential impact in a number of dimensions:<\/p>\n<h3>I. Core drivers<\/h3>\n<ol>\n<li><strong>policy dividend<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Government's 'Digital India' Strategy Provides Policy Backing for Blockchain Payments<\/li>\n<li>RBI launches digital currency pilot projects (e.g. digital rupee) to accelerate digitisation of sovereign currencies<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>market<\/strong><\/li>\n<\/ol>\n<ul>\n<li>UPI has crossed 10 billion transactions per month, showing the maturity of electronic payments<\/li>\n<li>Cross-border remittance market exceeds $80bn annually (World Bank data), blockchain could reduce traditional fees by 3-5%<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>technology adaptability<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Smart contracts can automate complex transaction processes such as trade finance<\/li>\n<li>DLT technology reduces micro loan approval time from 7 days to 4 hours (ICICI Bank test data)<\/li>\n<\/ul>\n<h3>II. Typical application scenarios<\/h3>\n<ol>\n<li>\n<p><strong>Cross-border payment revolution<\/strong><\/p>\n<ul>\n<li>Ripple and Axis partnership case study shows: arrival time compressed from 2 days to 2 minutes<\/li>\n<li>SWIFT GPI adoption in India has reached 78%, setting the stage for blockchain upgrades<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>supply chain finance<\/strong><\/p>\n<ul>\n<li>Mahindra Group Uses Hyperledger to Enable Vendor Finance TAT Shortening 60%<\/li>\n<li>TATA Steel's blockchain platform reduces bill fraud cases by up to TP401T3T<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Financial inclusion and innovation<\/strong><\/p>\n<ul>\n<li>Aadhaar+Blockchain enables credit scoring in rural areas, keeps delinquency below 8%<\/li>\n<li>Farmers in Telangana get loans at rates as low as 91 TP3T through chained warehouse receipts<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>III. Matrix of key challenges<\/h3>\n<table>\n<thead>\n<tr>\n<th>Type of challenge<\/th>\n<th>concrete expression<\/th>\n<th>Response programme<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Regulatory uncertainty<\/td>\n<td>PDA bill vaguely defines crypto assets<\/td>\n<td>GSTN-style sandbox regulatory mechanism<\/td>\n<\/tr>\n<tr>\n<td>Technology integration costs<\/td>\n<td>UPI system revamp requires $$2bn+ investment<\/td>\n<td>Cross-chain bridging programme initiated by NPCI<\/td>\n<\/tr>\n<tr>\n<td>User education gap<\/td>\n<td>Only 12% SMEs understand smart contracts<\/td>\n<td>Infosys launches visualisation contracting tool<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>IV. Development projections for 2025<\/p>\n<ol>\n<li>\n<p><strong>market size<\/strong>: Projected CAGR of 34% to reach $12bn in size (NASSCOM data)<\/p>\n<\/li>\n<li>\n<p><strong>employment impact<\/strong>: Will create a demand for 350,000 new types of jobs, mainly focused on:<\/p>\n<ul>\n<li>DeFi Protocol Development Engineer (average salary Rs. 250,000\/month)<\/li>\n<li>CBDC Architect (Central Bank Direct Project)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>3.<strong>Ecological Evolutionary Path<\/strong>::<\/p>\n<pre><code class=\"language-mermaid\">graph TD.<br>\r\n    A [existing UPI infrastructure] --&gt; B [licence chain settlement layer].<br>\r\n    B --&gt; C [Enterprise BaaS platform].<br>\r\n    C --&gt; D [retail CBDC application].<br>\r\n<\/code><\/pre>\n<p>Suggested areas of focus:<\/p>\n<ol>\n<li>RBI-led digital rupee interoperability standards development;<\/li>\n<li>Reliance Jio's possible consumer-grade Web3 wallet;<\/li>\n<li>SEBI's legislative progress on STO (Security Token Offering).<\/li>\n<\/ol>\n<p>The current window is about 18 months, and it is recommended that payment institutions focus on the layout.<br \/>\n\u2713 CBDC-compatible system upgrades<br \/>\n\u2713 SME Trade Finance Solutions<br \/>\n\u2713 DAO-model collection sub-ledger system<\/p>\n<h3><strong>Deepening the integration of payments and blockchain in India (continued)<\/strong><\/h3>\n<h4><strong>V. Competitive landscape analysis of key circuits<\/strong><\/h4>\n<p>The Indian market has now developed three major categories of players, each with differentiated strategies:<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>Type of participant<\/strong><\/th>\n<th><strong>Represented enterprises\/institutions<\/strong><\/th>\n<th><strong>Core strengths<\/strong><\/th>\n<th><strong>Current Layout Focus<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Traditional financial institutions<\/td>\n<td>SBI, HDFC Bank<\/td>\n<td>Regulatory compliance, existing customer base<\/td>\n<td>CBDC pilot, trade finance chain reform<\/td>\n<\/tr>\n<tr>\n<td>technology giant<\/td>\n<td>Tata Digital, Jio Platforms<\/td>\n<td>User size (Jio: 420 million), technical capabilities<\/td>\n<td>Web3 Super App Integration Payment<\/td>\n<\/tr>\n<tr>\n<td>Startups Polygon (formerly Matic), InstaDApp\u00a0\u00a0\u00a0<\/td>\n<td>Underlying protocol innovation, agile development<\/td>\n<td>DeFi-UPI Gateway Development<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Among the noteworthy dynamics:<\/p>\n<ul>\n<li><strong>SBI's \"Project Chainlink\"<\/strong>: Access 200,000 partner merchants to blockchain invoice system, expected to reduce reconciliation costs by 30%<\/li>\n<li><strong>Paytm Payment Bank<\/strong>Applies for VASP licence, plans to launch stablecoin exchange service<\/li>\n<li><strong>WazirX parent company acquires Rupaya Pay<\/strong>, Exploring a fee-free model for P2P cross-border remittances<\/li>\n<\/ul>\n<p>VI. Technology integration breakthrough points<\/p>\n<ol>\n<li>\n<p><em><strong>Hybrid Architecture Solutions<\/strong><\/em><\/p>\n<ul>\n<li>UPI's Instant Settlement Layer + Ethereum Layer2 scaling solution (e.g. Polygon zkEVM)<br \/>\n-Measured data: TPS increased from 200 to 9,000, Gas charges reduced by 981 TP3T (TechMahindra test report)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>The Authentication Revolution<\/strong><\/em><\/p>\n<ul>\n<li>Aadhaar hash uplink + DID (Decentralised Identity) implementation:\n<pre><code class=\"language-python\"># Pseudo-Code Example: KYC Process Optimisation<br>\r\nif verify_aadhaar_hash(user_hash) and check_chain_credential(did).<br>\r\n    auto_approve_loan() <br>\r\n<\/code><\/pre>\n<\/li>\n<li>ICICI Bank case shows reduction in manual review 70%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>IoT Payment Automation<\/strong><\/em><br \/>\nTata Power's smart meter project in Mumbai:<\/p>\n<ul>\n<li>Meter sensors trigger on-chain payment contracts<\/li>\n<li>Zero-fee micropayments using the IOTA entanglement network<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>VII. Risk radar chart (2024)<\/p>\n<pre><code class=\"language-mermaid\">pie <br>\r\n    title TOP5 Risk Weight Percentage<br>\r\n    \"Regulatory Lag\" :35%<br>\r\n    \"Private Key Management Vulnerability\":25%<br>\r\n    \"Dollar Stablecoin Shock\":20% <br>\r\n    \"The Quantum Computing Threat\":12%<br>\r\n    \"Cultural Resistance (Cash Dependency)\":8%<br>\r\n<\/code><\/pre>\n<p>Suggested coping strategies:<\/p>\n<ol>\n<li><em><strong>Regulatory arbitrage circumvention<\/strong><\/em>: Adoption of a \"dual-track\" system - RBI-approved private chain for domestic transactions and a compliant public chain channel for international business<\/li>\n<li><em><strong>security enhancement<\/strong><\/em> ::<br \/>\n\u00a0 \u00a0- HSM hardware module to store keys (FIPS 140-3 compliant) \u00a0<br \/>\n\u00a0 \u00a0- MPC Multi-Party Computing wallet popularity (e.g. Fireblocks programme)<\/li>\n<\/ol>\n<p>VIII. Forecast of milestones for the next 18 months<\/p>\n<p>2024 Q3.<br \/>\n\u2713 NPCI Releases UPI-Blockchain Interoperability White Paper<br \/>\n\u2713 Reliance Retail launches NFT Membership Rewards Programme<\/p>\n<p>2025 Q1.<br \/>\n\u2713 RBI's digital rupee crosses 10 million transactions per day<br \/>\n\u2713 SEBI approves first real estate STO project<\/p>\n<p>2025 Q2.<br \/>\n\u2727 Polygon Completes Certification of Native Full-Stack CBDC Solution<\/p>\n<hr>\n<h3>[Proposal for action] For different market participants<\/h3>\n<p><em>\ud83d\udd35 Banks &amp; Payment Companies.<\/em> \u00a0\u00a0<br \/>\n1\ufe0f\u20e3 Immediately form a cross-departmental working group to study RBI's draft Distributed Ledger Technology Implementation Framework \u00a0\u00a0<br \/>\n2\ufe0f\u20e3 Prioritise revamping of cross-border remittance and supply chain finance modules<\/p>\n<p><em>\ud83d\udfe2 Startups.<\/em> \u00a0\u00a0<br \/>\n\u2705 Apply for a special blockchain subsidy (up to $500,000) from IBEF (India Brand Equity Foundation) \u00a0\u00a0<br \/>\n\u2705 Focus on verticals such as smart contract traceability for pharmaceutical cold chain logistics<\/p>\n<p><em>\ud83d\udfe1Investor Focus Subject.<\/em> \u00a0\u00a0<br \/>\n\u2b50\ufe0fTata Elxsi (blockchain middleware developer) \u00a0 \u00a0<br \/>\n\u2b50\ufe0fLemonn.io (Central Bank Digital Currency Wallet API Provider)<\/p>\n<p>Feel free to ask for more specific in-depth analyses of a particular area. For example, \"How to design smart contract tax logic to comply with GST rules in India\" or \"Compare the applicability of Polygon vs Solana for retail payments\".<\/p>","protected":false},"excerpt":{"rendered":"<p>The combination of the Indian payments industry with blockchain technology holds great promise, but also faces regulatory...<\/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":[38],"tags":[],"class_list":["post-2993","post","type-post","status-publish","format-standard","hentry","category-38"],"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\u4e0e\u533a\u5757\u94fe\u7684\u7ed3\u5408\u524d\u666f - 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