UPI succeeded because it expanded access while protecting trust. Credit on UPI will face the same test, but with higher stakes. Its success will depend on how participation evolves and whether the framework is able to support a wider range of use cases and borrower segments, writes Ranjeet Rane l What is credit line on UPI CREDIT LINE ON UPI, or CLOU, allows a UPI transaction to draw from a pre-sanctioned credit line instead of a bank account balance/ pre-existing credit card. From the user’s perspective, the payment experience remains unchanged—the user scans a QR code or initiates a UPI payment as usual, but the source of funds is credit rather than savings, or a credit card. At the point of payment, the credit line is drawn down and the transaction amount is settled directly to the beneficiary’s bank account. This differs from credit cards on UPI, which involve linking a RuPay credit card to the UPI interface.