The Reserve Bank of India’s discussion paper delineates a strategic shift in digital payment oversight, moving from a primary focus on transaction velocity toward a framework of "responsible conduct" to address the escalating threat of Authorized Push-Payment (APP) frauds. The discussion paper observes that while digital payment volumes have increased 38 fold over the last decade, the instantaneous nature of systems like UPI and IMPS has significantly restricted the window for fund recovery once a user has been manipulated through social engineering. To counter this, the RBI explores four primary safeguards designed to buy time for intervention.