Assisted rails beat another consumer wallet.

Payments banks proved that India will adopt digital value if the human at the counter is trusted. Super-apps skip that human. gfinpay keeps them — and gives them a ledger that would satisfy a sponsor bank.

DMT still has cash-origin monthly ceilings. AePS still needs biometrics. UPI-to-cash still needs a till. FD-backed cards still need the customer to fund from their own account. Those constraints are features of the regulation, not bugs in the UI.

Our job is to make the retailer's till obvious on a 5-inch phone, and to make every rupee reconcilable at EOD.