The Desi Architect
Notes / Design Interview Problems / Design UPI (NPCI Unified Payments Interface)
Track 5 · Design Interview Problems

Design UPI (NPCI Unified Payments Interface)

How NPCI, payer PSPs, remitter banks, and beneficiary banks coordinate a payment in under two seconds across four separate organizations.

Interview problem24 min read
On this page
  1. The 2:00 AM Dhanteras gold rush
  2. 🟢 Layer 1: The Four-Party Boundary & Cryptographic Sandbox
  3. 🟡 Layer 2: The Deemed Transaction & SAGA Compensation
  4. 🔴 Layer 3: Architect's Corner