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by sanmon3186 2141 days ago
VPA based on just the phone numbers may be convenient, it can lead to frauds. At least in India where - for most part - phone numbers aren’t treated like one’s personal data. Apps like Truecaller make it worse. Imagine receiving tons of involuntary charity requests on your UPI app, waiting for you to pay.

If not fraud, it will clutter the whole experience of UPI payments.