NPCI Builds Unified Agent Protocol to Let AI Bots Make UPI Payments

NPCI is reportedly developing a Unified Agent Protocol to verify and authorise AI agents to transact via UPI atop existing rails. Pending RBI approval, it could enable bot-led shopping within pre-set limits, reshaping India's e-commerce and payment ecosystem.

— Filed Thu, 9 Jul, 2026, 19:20 IST · Source NDTV Profit · Updated

NPCI is reportedly developing a Unified Agent Protocol to verify and authorise AI agents to transact via UPI, sitting atop existing rails. Requiring RBI approval, it could enable bot-led shopping payments within pre-set limits, impacting India's e-commerce and payment ecosystem.