NPCI is developing a Unified Agent Protocol to allow AI agents to execute financial transactions over UPI. The proposed standard would create infrastructure to register, verify, and authorize AI agents for payments on the network.
UAP builds on UPI Circle's delegated payments framework, incorporating spending limits and user consent controls. AI agents could originate from merchant apps, consumer payment applications, or general-purpose AI assistants.
The protocol requires regulatory approval from the Reserve Bank of India before launch. India would be among the first countries to build national infrastructure for agentic payments.