UAP

unverified

NPCI Unified Agent Protocol (UAP)

by NPCIverified 2026-09-14

Unverified draft

This entry has been seeded but not yet verified against primary sources. Its details are intentionally incomplete and it is excluded from the machine-readable structured-data claims until verified.

At a glance

Layer: authorization
Category: framework
Rails: UPI
Settlement: Delegates settlement to UPI's existing infrastructure (UPI Circle delegation and Reserve Pay fund blocks).
Reversible: —
Human in loop: optional
D2C fit: strong
B2B fit: weak
Spec: —

A reported national framework from India's NPCI to let AI agents execute small-ticket UPI payments using UPI Circle (delegated authority) and Reserve Pay (pre-blocked funds), with spending limits, identity checks, and audit trails. NPCI deferred the expected launch at Global Fintech Fest (September 8–11, 2026) pending regulatory review. At GFF on September 10, NPCI's chairman publicly described the protocol work for the first time, stating that AI agents may read intent but authentication and settlement must remain deterministic and auditable. No public specification has been released.

How it works

Not yet written — pending verification.

Deployments using UAP

No deployments recorded yet.

Sources

No sources yet — this entry is an unverified draft.