The Reserve Bank of India just dropped a paper that could change how UPI works for everyone. Hi, I am Chandralekha and I love talking about money. People aren’t just losing money to hacking anymore. They’re sending it themselves due to panic, scams, or mistakes. 💡Here’s what’s changing: ✅ 1-hour delay for transfers above ₹10,000 so you can cancel if something feels off. Merchant payments stay instant as usual ✅ For 70+ and disabled users, a trusted nominee must approve transfers above ₹50,000 ✅ One-tap kill switch to block UPI, cards, and net banking instantly Fraud works on urgency. These changes break that pressure. Open for feedback till May 8, 2026. #personalfinance #bank #upi #money