HyperBolt UPI Switch

An NPCI grade UPI switch, rebuilt for the AI-attack era at a tenth of legacy TCO.

A horizontally scalable, graph-aware UPI core that connects directly to the NPCI 2.x switch, embeds inline fraud decisioning at every hop — without the latency tax of bolted-on risk engines.

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Core Capabilities

Numbers that speak for themselves

Hyperbolt currently manages structured and unstructured data, including billions of records.

Core Capabilities

Numbers that speak for themselves

Hyperbolt currently manages structured and unstructured data, including billions of records.

<0ms

p99 switch latency

0k +

TPS per cluster

0.0%

rail availability

0weeks

NPCI sandbox to prod

HyperBolt

The Indian UPI switch market - at a glance

A snapshot of India’s UPI switch ecosystem, highlighting key players, transaction scale, performance metrics, and infrastructure growth trends.

HyperBolt

Graph-aware, risk-native

<50ms p99 · 30k TPS · NPCI 2.x · inline fraud

Legacy Switch A

Card-era middleware retrofitted to UPI

120–250ms · external risk hop

Legacy Switch B

On-prem appliance, batch reconciliation

T+1 settlement insight

PSP-built Switch

Tightly coupled to one aggregator

Vendor lock-in, no multi-bank

Open-source DIY

Self-built UPI plugin

12–18 mo build, zero RBI assurance

Customer proof

What the switch does

How it's built

What the switch does

A full UPI core not a thin router with a fraud add-on.

Every capability a modern Indian payments operator needs to run UPI, IMPS, AEPS, BBPS and RuPay at scale — packaged into one VPC-resident binary with one operating model.

NPCI 2.x conformant core

Native ReqPay / RespPay / ReqAuth / RespAuth handling, credit-and-collect, mandates, AutoPay, conversational UPI, and UPI Lite — certified against the latest NPCI specs.

• Full ISO 20022 + NPCI XML message conformance
• Mandate engine for recurring debits and e-Mandate UMRN
• UPI Lite offline wallet and credit-line-on-UPI
• Real-time settlement file generation for sponsor banks

Sub-50ms decision path

End-to-end p99 latency under 50ms including risk score, mandate validation, beneficiary checks, and policy evaluation — measured at the switch, not the API gateway.

• Lock-free in-memory routing tables
• Zero-copy protobuf pipeline, no JVM tax
• Per-PSP circuit breakers with graceful degrade
• Hot-path observability with 1µs span resolution

Multi-rail interop

One switch, every rail. UPI, IMPS, AEPS, NEFT, RTGS, BBPS, RuPay, Bharat QR — addressed through a unified beneficiary and account-resolution graph.

• VPA, IFSC+AC, Aadhaar, mobile, RuPay PAN resolution
• Federated routing across sponsor and remitter banks
• Cross-rail fallback (UPI ↔ IMPS) within SLA
• BBPS biller catalog + RuPay tokenisation built in

Risk fabric, in-line

HyperBolt's graph-native fraud engine runs as a co-located scorer inside the switch — no external HTTP hop, no async drift, no false-positive tax on growth.

• 6-hop fund-flow traversal at switch speed
• Device + behavioural + handle graph fused at /decide
• Adversarial red-team feed for AI-scripted attacks
• Reason codes attached to every decline — RBI/FIU ready

Policy DSL owned by risk

Risk and compliance ship rule changes through a typed DSL with shadow replay against last-30-day traffic — no release-train coupling to engineering.

• Typed, versioned, peer-reviewed rule packages
• Shadow mode + champion-challenger A/B
• Per-merchant / per-MCC / per-corridor scoping
• One-click rollback with deterministic replay

Stateful by design

First-class transaction state machines persisted to a horizontally shared log — reconciliation, recall, and dispute orchestration are core features, not afterthoughts.

• Exactly-once semantics across PSP retries
• T+0 reconciliation with NPCI raw settlement files
• Built-in chargeback, recall, refund workflows
• Replay any transaction byte-for-byte for audit

RBI + DPDP-aligned

VPC-resident deployment in your data centre or our Mumbai/Hyderabad zones. HSM-backed key custody, data localisation, and audit-grade access controls by default.

• Thales / nCipher HSM integration for PIN-block, MAC
• TLS 1.3 mTLS to NPCI and all PSPs
• Field-level encryption for PII at rest
• DPDP consent lineage attached to every record

Drop-in core integration

Reference connectors for Finacle, FLEXCUBE, BaNCS, TCS BaNCS, Infosys EdgeVerve and Oracle FSS. No core-banking change request to go live.

• Pre-built CBS adapters with idempotency
• Sponsor-bank settlement file pipelines
• Standard webhooks for ledger, fraud, ops
• Sandbox + Postman + OpenAPI from day one

Self-healing operations

An operations plane that detects PSP brownouts, NPCI sandbox flaps, and beneficiary-bank decline storms — and routes around them before your support queue fills.

• Per-corridor health scoring with auto-route
• Synthetic probes against NPCI + member banks
• Anomaly alerts shipped to PagerDuty / Slack
• Runbooks executed by the switch, not your NOC

Why HyperBolt UPI Switch

The first IMPS switch engineered for India's real-time rails and modern fraud challenges.

Most legacy systems are built on outdated payment architectures with bolt-on IMPS support and external risk engines. HyperBolt is IMPS-native, real-time, and designed for high-speed interbank transactions with built-in intelligence.

CAPABILITY

Typical India Fintech-tech

HyperBolt Imps SWITCH

Architecture

Event-driven IMPS switching with real-time processing pipeline

Designed for instant interbank routing with minimal latency

Transaction speed

End-to-end processing within 2–10 seconds

Optimized for near-instant debit and credit confirmation

Throughput

Handles high-volume concurrent IMPS transactions

Scales horizontally to support peak banking loads

Validation & checks

Performs account, balance, and format validation instantly

Ensures secure and accurate transaction processing

NPCI connectivity

Direct integration with IMPS network via NPCI switch

Reliable message exchange and routing across banks

Reconciliation

Supports real-time and end-of-day settlement tracking

Maintains accurate transaction logs and audit trails

Availability

24x7 operational with no downtime dependency

Supports transactions across weekends and holidays

Security

Multi-factor authentication and encrypted messaging

Protects against fraud and unauthorized access

Monitoring & tracking

Real-time transaction status and alerts

Enables quick issue resolution and transparency

Built for real-time IMPS load

Optimized for high-volume IMPS transactions with low-latency processing and consistent performance under peak banking traffic.

Inline transaction routing

Smart routing logic embedded within the switch ensures faster decision-making without external system dependencies.

Full transaction visibility

Every IMPS transaction is traceable with detailed logs, status tracking, and audit-ready records for transparency.

Secure & RBI compliant

Built with strong encryption, multi-factor authentication, and full compliance with RBI and data localisation guidelines.

High reliability & uptime

Designed for 24x7 availability with minimal downtime, ensuring uninterrupted IMPS transactions across all banks.

Seamless NPCI connectivity

Direct integration with NPCI ensures fast, reliable interbank communication and real-time transaction processing.

Decision pipeline

Acquiring switch · interactive map

Issuing switch · interactive map

Acquiring switch · interactive map

Which module fires at which hop of a UPI transaction?

Pick a module on the left to light up the steps it participates in. Click any step to highlight every module that contributes to that hop then add modules or hops to a tailored demo brief.

MODULES (10/10)

■

Merchant onboarding & lifecycle

Identity, KYB, MCC, sub-merchant hierarchy and risk-based caps.

010206

■

QR & intent generation

Static, dynamic and Bharat QR plus UPI Intent.

■

Collect-request engine

Composes ReqPay collect / pay / mandate messages.

020305

■

Acquiring risk & chargeback

Inline graph-risk + dispute workflow.

020506

■

Settlement & payout

T+0 settlement, reconciliation, payout splits.

0506

■

Merchant notifications & APIs

Webhooks, REST, WhatsApp, SMS.

010506

■

Routing & state machine

Exactly-once transaction lifecycle, replay, recall, reversal.

0203040506

■

Settlement ledger

Shadow ledger reconciled with NPCI raw files; T+0 close.

0506

■

Reconciliation & dispute

UDIR + RGCS workflows, refunds, chargebacks, good-faith reversals.

■

Ops, observability, HA

Per-corridor health, hot-standby, multi-AZ, NPCI sandbox parity.

0203040506

STEP 01

Customer initiates

QR / Intent / VPA on PSP app

Resolves the payee identity, MCC and active merchant state before a QR is rendered.

STEP 02

Acquiring switch validates

Compose ReqPay, forward to NPCI

Supplies per-merchant velocity, cap and MCC policy to the acquiring validator.

STEP 03

NPCI routes to issuer

Beneficiary resolution + dispatch

STEP 04

Issuing switch authorises

PIN + limit + CBS debit

STEP 05

Beneficiary credited

Credit posted, customer notified

STEP 06

Settlement & reconcile

T+0 NPCI files reconciled

Drives per-merchant payout schedules and TDS / GST splits in settlement.

MERCHANT ONBOARDING & LIFECYCLE · 3 OF 6 HOPS

Identity, KYB, MCC, sub-merchant hierarchy and risk-based caps.

OnboardingLifecyclePA-PGKYC/KYB

+ Add module to demo

ACQUIRING MODULE × HOP COVERAGE MATRIX

Merchant onboarding & lifecycle

QR & intent generation

Collect-request engine

Acquiring risk & chargeback

Settlement & payout

Merchant notifications & APIs

Routing & state machine

Settlement ledger

Reconciliation & dispute

Ops, observability, HA

Get a demo built around the modules and hops you just clicked.

Add modules from the acquiring or issuing map, mark the hops you want to deep-dive on, and we'll bring a payments engineer with a session scoped to exactly that surface area.

Reach out us at

Sales and Services:

sales@auisy.com

Marketing & Promotions:

marketing@auisy.com

General Information:

info@auisy.com

Phone :

91-020-61096815

Project Management and Editorial Office

3rd Floor, Shreyas Eterna, Above Lopmudra Clinic, Homi Baba Road, Bavdhan, Pune 411021.