India, July 31 -- In just a decade, India's UPI has transformed from a bold experiment into the world's leading digital payment network - surpassing Visa, redefining global finance, and proving that openness and inclusion can outpace legacy systems

Ten years. That's all it took for India's UPI to do what Visa couldn't in forty - dominate daily digital payments at a global scale. With 650 million transactions a day, UPI hasn't just overtaken Visa. It has redrawn the financial networks map, forcing the world to rethink payments in a digital-first economy.

When India launched the Unified Payments Interface (UPI) in 2016, few expected a system from a cash-reliant country to become the world's most-used real-time payment network. By 2025, it...