{"id":427,"date":"2025-05-05T14:53:49","date_gmt":"2025-05-05T06:53:49","guid":{"rendered":"http:\/\/yinduzhifu.life\/?p=427"},"modified":"2025-05-05T14:53:49","modified_gmt":"2025-05-05T06:53:49","slug":"%e5%8d%b0%e5%ba%a6%e4%b8%89%e6%96%b9%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93-%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%96%b0%e8%b6%8b%e5%8a%bf%ef%bc%9a%e6%95%b0%e5%ad%97%e8%b4%a7%e5%b8%81%e4%b8%8e%e5%8c%ba","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e4%b8%89%e6%96%b9%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93-%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%96%b0%e8%b6%8b%e5%8a%bf%ef%bc%9a%e6%95%b0%e5%ad%97%e8%b4%a7%e5%b8%81%e4%b8%8e%e5%8c%ba\/","title":{"rendered":"Three-Party Payment Channels in India - New Trends in Indian Payments: The Rise of Digital Currencies and Blockchain"},"content":{"rendered":"

\"New<\/p>\n

The Indian payments space is undergoing a profound transformation driven by digital currencies and blockchain technology, a trend that is reshaping the country's financial ecosystem. Here are the key developments and analyses:<\/p>\n

    \n
  1. Breakthrough in Central Bank Digital Currency (CBDC)<\/strong><\/li>\n<\/ol>\n
      \n
    • The Reserve Bank of India (RBI) has launched a digital rupee (e\u20b9) pilot in 2022 and is now in the dual-track testing phase for wholesale and retail<\/li>\n
    • By the end of 2023, the pilot bank network had expanded to 15 institutions, with cumulative transaction volumes exceeding 1 million<\/li>\n
    • Uniquely designed with a two-tier structure that maintains central bank control and commercial bank operational flexibility<\/li>\n<\/ul>\n
        <\/p>\n
      1. Explosive growth in private blockchain payments<\/strong><\/li>\n<\/ol>\n
          \n
        • The UPI system has reached 400 million transactions per day (2023 data), making it one of the largest real-time payment systems in the world<\/li>\n
        • Local blockchain platforms such as Polygon offer new solutions for cross-border remittances, with fees 60% lower than traditional methods<\/li>\n
        • Tata Group and other corporate giants start deploying private chains for B2B settlements<\/li>\n<\/ul>\n
            <\/p>\n
          1. Rapid evolution of the regulatory framework<\/strong><\/li>\n<\/ol>\n
              \n
            • The Cryptocurrency Act 2023 establishes the legal classification of \"digital assets\" and implements the 1% TDS taxation regime.<\/li>\n
            • RBI pushes for 'regulatory sandbox', 17 blockchain projects have been granted testing licences so far<\/li>\n<\/ul>\n
                <\/p>\n
              1. \n

                Revolutionary innovation in cross-border payments<\/strong><\/p>\n

                  \n
                • Ripple has partnered with major Indian banks (e.g. HDFC, Axis) to enable sub-second cross-border settlements, compressing the traditional 3-5 day remittance process into minutes<\/li>\n
                • 2023 India-UAE corridor first to test blockchain diaspora remittance system with transaction costs reduced from 71 TP3T to 1.21 TP3T<\/li>\n
                • SWIFT GPI interoperability trial with native UPI completes proof of concept<\/li>\n<\/ul>\n<\/li>\n
                • \n

                  DeFi's Convergence Experiment with Traditional Finance<\/strong><\/p>\n

                    \n
                  • ICICI Bank launches first institutional grade DeFi platform 'StakBank' allowing corporate clients to participate in on-chain liquidity mining (annualised returns ~9-12%)<\/li>\n
                  • Compliant Stablecoin INR\u20ae Daily Mintage Surpasses $50 Million Anchored Assets Include Treasuries and Gold<\/li>\n<\/ul>\n<\/li>\n
                  • \n

                    Scenario Expansion for Digital Rupee<\/strong>
                    \n\u25b6\ufe0e Government applications<\/strong>: Delhi Municipality disburses smart contract-driven subsidy payments through CBDC (automatically triggers conditional payments)
                    \n\u25b6\ufe0e retail ecology<\/strong>: Reliance Retail's omni-channel support for e\u20b9 payments and development of offline wallet functionality for network outage scenarios<\/p>\n<\/li>\n

                  • \n

                    New opportunities for technology providers<\/strong><\/p>\n

                      \n
                    • Local companies such as Pine Labs are developing \"programmable currency SDKs\" that allow merchants to embed promotional rules into digital currency streams (e.g., automatic discount logic).<\/li>\n
                    • Infosys develops 'Blockchain Clearing Layer' with 8,000 TPS processing power, adopted by three PSU banks<\/li>\n<\/ul>\n<\/li>\n
                    • \n

                      Key shifts in user behaviour<\/strong>
                      \nAccording to the latest NPCI survey:
                      \n62% in the 18-35 age group are willing to prioritise the use of digital currencies for large transfers
                      \nSMEs' acceptance of smart contract accounts payable up 27 percentage points in six months<\/p>\n<\/li>\n<\/ol>\n

                      [Challenges and responses]<\/strong>
                      \n\u26a0\ufe0f Energy Consumption Matters: RBI Asks All Node Operators to Transition to Green Data Centres by 2025
                      \n\u26a0\ufe0f DIGITAL DIVIDE: Telecom Ministry launches Rs 1 billion special fund to develop voice-driven blockchain interface<\/p>\n

                      This cycle of change is creating an incremental market space of about $12 billion per annum. With the deeper integration of the Aadhaar system with the CBDC, it is expected that India could be the first major economy to achieve a \"full-stack digital financial infrastructure\" by 2026.<\/p>","protected":false},"excerpt":{"rendered":"

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