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My comment was more centered around the UX of UPI. But to address your point, there is a separate app for tourists called UPI One World, works as a digital wallet and the UX is similar.

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If only it were that simple! UPI One World isn't an app, it's a system that apps can implement, and the implementations, like Mony and Cheq, all have high fees and require you to go to random offices in inconvenient locations to verify your identity in person.

As far as I can tell, all of this is "OK" because the primary target market for UPI One World is NRIs - again, who needs foreign tourists?

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