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According to local media reports on the 18th of April, Indian crypto exchanges payments platforms facilitate peer-to-peer (P2P) transactions. This move will enable crypto exchanges to bypass any restriction imposed by banks and payment companies regarding transfers between payments platforms or banks to the exchange thereby serving the increasing demand for digital assets in the country. This move was taken following the statement issued recently by the National Payments Commission of India (NPCI) regarding the usage of the Unified Payments Interface (UPI) payments system in crypto exchanges led. In a P2P transaction, once the exchange receives a purchase order from a buyer, the system will link the buyer with the seller directly by sharing the seller’s bank account details with the buyer. The buyer then directly can transfer payment funds using a bank or payments platform to the seller. The seller in return transfers the cryptocurrency in their exchange wallet to the buyer's wallet. This way transfers between payments platforms or banks to the exchange can be avoided.
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