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UPI in India reached over *** billion transactions in 2025, making it by far the largest brand in real-time payments. RTP is especially common in Asia-Pacific. Systems in the United States - such as the privately owned Venmo and Zelle in the United States or the public interbank system of Faster Payments in the UK – are much smaller in comparison. Real-time payments generally have two main characteristics that make them appealing: One, as the name suggests, payments can be initiated and settled almost immediately, allowing consumers, businesses, bank to send and receive money across the world within minutes. Two, these schemes are not bound to the opening times of a bank, and are available “****” and *** days in the year. These traits matter especially to countries with a complex payment market that need to be digitalized.