MeitY moves to mandate human-in-the-loop controls for agentic AI payments on UPI
CERT-In/MeitY proposes mandatory human interventions and audit trails for AI-agent payments above financial thresholds, as NPCI builds a Unified Agent Protocol for AI-driven UPI transactions—setting guardrails for emerging agentic commerce across Indian retail rails.
CERT-In/MeitY proposes mandating human-in-the-loop controls with audit trails for agentic AI payments above financial thresholds, as NPCI builds a Unified Agent Protocol for AI-driven UPI transactions—shaping guardrails for emerging agentic commerce affecting Indian retail payment rails.
Why this matters
UPI keeps expanding beyond basic transfers—biometric payments crossed 611M in June 2026 and it now rivals credit cards in wallets. Agentic AI guardrails signal the next frontier: autonomous payments needing oversight and fraud protection.
Omni-channel holds steady with 1,100 signals in the last 90 days.