How UPI Protects Your PIN and Routes Payments Through BanksHow UPI Protects Your PIN and Routes Payments Through Banks
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How does ₹500 leave your phone and reach a shop in seconds?
Your PIN is sealed on your phone. Your app can’t read it. Only your bank opens it. And NPCI never touches the money: it only passes messages. Banks settle the real cash later, through RBI.
Built with one prompt using Anatomy + Claude Code.
Johnson's avatar
The detail about NPCI only passing messages instead of touching the money is a key distinction that clears up a lot of confusion. It makes the settlement process through RBI much clearer for people who assume the network holds the funds directly.
Shubhang's avatar
Exactly. That distinction was the key insight I wanted the visual to make clear. It’s surprising how much happens behind a simple UPI scan.
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