<h1>Fintechs launch UPI Credit Line platform enabling banks, NBFCs and fintechs to offer instant, scalable, tokenized credit</h1> Two fintech firms launched a Credit Line on UPI platform that integrates high-throughput UPI infrastructure with a Credit Line Management System to enable banks, NBFCs and fintechs to offer instant, flexible credit via UPI. The platform claims faster integrations (days vs weeks), regulatory alignment with central bank and payments network guidelines, cloud-native scalability, tokenization, automated compliance and multi-layer fraud detection. A small finance bank is the first live partner and others are in advanced talks. The service aims to expand formal credit access beyond credit-card holders and position UPI-based credit as an alternative to cards and BNPL.