About

• India’s world-class digital public infrastructure (DPI) was honed and widely used during the pandemic. 
  • India’s DPI, also referred to as India Stack, has enabled online, paperless, and cashless digital access to various public and private services. 
  • The India Stack consists of three interconnected layers – The Identity Layer (Aadhaar), the Payments Layer (Unified Payments Interface, Aadhaar Payments Bridge, Aadhaar Enabled Payment Service) and the Data Layer (Account Aggregator). 
  • The Identity Layer has been pivotal in providing a digital identity to every Indian. The Payments Layer enabled an enormous surge of cashless payments, both in value and volume terms. The Data Layer transformed the authentication ecosystem in India and facilitated the KYC process, reducing the cost of conducting e-KYC from ₹1000 to ₹534.