印度央行将UPI终身支付限额从200卢比提高到500卢比：-www.deekpay.com

　　The text you’ve provided seems to be a news article discussing updates to the Unified Payments Interface (UPI) Lite in India by the Reserve Bank of India (RBI). Below is a summary of the key points mentioned in the article:

　　- The RBI has increased the per-transaction limit for UPI Lite from 200 INR to 500 INR.

　　- UPI Lite, introduced in September 2022 by the National Payments Corporation of India (NPCI) and the RBI, is a simplified version of the original UPI payment system aimed at facilitating seamless small transactions without the occasional processing failures faced by banks.

　　- Unlike regular UPI transactions, which have a daily limit of 100,000 INR, UPI Lite transactions are capped at 500 INR per transaction, with an initial limit of 200 INR and a total limit of 2,000 INR per payment instrument.

　　- The RBI plans to introduce UPI Lite offline payments using Near Field Communication (NFC) technology and proposes to enable ‘session payments’ in UPI, which would allow users to conduct transactions through a conversation with an AI system.

　　- The NPCI is expected to release guidelines for implementing session payments soon.

　　- UPI Lite accounts are linked to the user’s bank account but do not rely on the issuing bank’s core banking system, leading to higher payment success rates and less clutter in bank passbooks.

　　- Users need to download a UPI Lite-supported app like BHIM, Google Pay, PhonePe, or Paytm, create a UPI Lite ID, and add money to their UPI Lite balance.

　　- The RBI governor, Shaktikantha Das, mentioned that the central bank aims to enhance the digital payment experience by integrating AI and NFC technologies in the payment domain through UPI Lite.

　　- Session payments are payments conducted through online messaging or chat platforms, and the RBI sees them as having great potential in improving the usability and reach of the UPI system.

　　- The RBI also plans to introduce offline transactions using NFC technology to address connectivity challenges in areas with poor or no internet/telecom services and to speed up transactions with minimal latency.

　　- Akash Sinha, CEO, and co-founder of Cashfree Payments, commented on the RBI’s push for integrating AI and NFC technologies in the payment sector through UPI Lite.