Mrinal smiled. “For small business owners, yes. Paperless KYC, ma’am. Just your PAN and Aadhaar.”

Behind the scenes, the RuPay network processed her transaction in less than a second, routing it through the National Payments Corporation of India (NPCI). No international gateway fees. No foreign server detours. Every rupee stayed in India’s digital spine.

“Yes,” Mira said, heart thumping.