[khriss]

> In short, Indian government does not track or they don't have the scaling to track

This is completely wrong.

Not only can the Indian govt track each these transactions, it's actually written into law via the 'anti money laundering' bill (PMLA) and the income tax act. For a very high level overview, see https://www.bankbazaar.com/tax/tax-on-upi-transactions.html

From the article

'Can the Income Tax Department Track Your UPI Transactions?

Yes. With the integration of PAN, Aadhaar, and Know Your Customer (KYC) via all banking and fintech channels, all your UPI transactions can be tracked. If you think your small-value digital transfers won't be traced, you are mistaken. UPI payments are directly linked to your bank account, and bank records can be obtained by tax officers through scrutiny or reassessment.'

Specifically, no complaint or warrants are needed to enable access to UPI transaction records.

[crop_rotation]

Yeah globemaster99's point seems very naive.