As a foreigner who's lived in India for several years, what I'd really prefer is the ability to make payment using the instruments I have and not having to do a whole "KYC" process that no other country would ask me to. Context - within my home USA, I can open bank and credit cards accounts without ever even showing an ID. Having to ask very local shops to scan your passport/visa is an extremely uncomfortable request for people from abroad who have been told to protect that document from identity thieves their whole life. Nobody wants to give their address or phone number to a shopkeeper. I wish you guys all the best, but ultimately what India needs is more of those awesome Pine terminals which reliably take foreign cards and Apple Pay support. Then they get the lost card and chargeback protection they get everywhere else. So many foreigners are willing to come and spend money at small shops, why not better enable them to with the tools they have?