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Money & Technology
Original explanations and analysis of payments, crypto, AI and digital security. India in focus, the world in view.
Crypto Asset Reporting Framework in India Explained
India's CARF rules make crypto platforms collect tax-residence declarations and report foreign users' trades.
IFSCA's AI Circular: Cyber Rules for GIFT City Firms
IFSCA's June 2026 circular tells GIFT City firms to prepare for AI-speed cyber attacks. The 11 measures explained.
CERT-In's Six-Hour Rule: Reporting Cyber Incidents in India
Indian organisations must report cyber incidents to CERT-In within six hours. Who is covered and what else applies.
AI in Indian Banks: What the RBI's FREE-AI Framework Asks For
The RBI's FREE-AI report set seven Sutras for AI in finance; a June 2026 draft adds AI disclosure and human override.
Fintech & Payments
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UPI Lite vs UPI: Limits, Offline Use and Safety
UPI Lite is a PIN-free balance for small payments. Here is how its limits and safeguards differ from UPI.
UPI for Minors: How UPI Circle Delegation Works
UPI Circle can let a child pay from a parent's account within controls. Eligibility still depends on the app and bank.
Account Aggregator in India: How It Works, Safety and Consent
Account aggregators pass your financial data only with consent and cannot move money. How they work.
Crypto
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Is Crypto Legal in India? What the Courts, FIU Rules and Parliament Say
No ban, no regulator: what the Supreme Court, PMLA rules and Parliament say about crypto's legal status in India.
Crypto KYC in India: What Exchanges Must Ask You For
Liveness selfie, location, penny drop and re-KYC: what FIU-IND's 2026 guidelines ask exchanges to check.
Digital Rupee (e₹): How Retail CBDC Wallets Work in India
How the RBI's e₹ wallet works, how it differs from UPI, which banks offer it and what programmable e₹ means.
AI & Work
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Using AI Tools at Work Under the DPDP Act: What Employers Must Check
The DPDP Act never mentions AI, but its duties on consent, vendors, accuracy and security shape how employers use AI.
SEBI's AI/ML Guidelines: What Is Binding Now and What Is Still Draft
Regulation 16C already makes SEBI-regulated firms answer for their AI tools; the 2025 draft adds governance rules.
Deepfake Labelling Under India's IT Rules: What Platforms Must Do
Labels, metadata, blocked categories and two-hour takedowns: what the 2026 IT Rules amendment asks of platforms.
Tech & Security
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Chakshu and Sanchar Saathi: Fraud Calls, SIMs, Lost Phones
The DoT portal for suspicious calls, SIMs in your name and stolen phones. Money already lost goes to 1930.
Unauthorised Electronic Banking Transaction Liability
RBI rules tie customer liability to the cause of the debit and how quickly it is reported.
RBI-Approved Loan Apps: How to Check a Lending App in India
The RBI lists the loan apps that regulated lenders report. How to check an app and what the rules say.
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