this post was submitted on 23 Jan 2025
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Lmao. No. UPI is an open standard I think... Open as in you can apply to use it. It is run via the Reserve Bank of India to ensure safety and validity.
But no. None of these are open source. Location tracking is, I think, not across them all...
UPI apps use it because it's easier to pinpoint where a payment was made, thus ensuring you can verify the payment receiver. That's all I understand about it atm.