India’s fintech revolution has already solved one big problem: moving money at population scale.
According to an April 2026 PIB release by the Union Ministry of Finance, UPI crossed ₹314 lakh crore in transaction value in FY 2025-26 and had onboarded more than 700 banks.
That scale has changed the reality for the fintech industry.
Once payments become instant and widely available, the pressure shifts to what surrounds the payment: verification, reconciliation, credit assessment, settlement, and record-keeping.
This is where blockchain is finding a more serious role in Indian fintech.
