Trick 1 digital economy

https://v0.app/anilkumar9990101-6173s-projects/chat/make-track-1-mUTn6t8dGHU#sBPQDwdT8DDqY5ry9ZzvoDBKPpc2AjcVhttps://v0.app/anilkumar9990101-6173s-projects/chat/make-track-1-mUTn6t8dGHU#sBPQDwdT8DDqY5ry9ZzvoDBKPpc2AjcV

Objective: Design and build a mobile- fintech application inspired by Indian UPI (like BHIM UPI), enabling users and merchants to send and receive INR and multi-currency payments using only digital identity-based KYC (no mandatory bank account). The system must include an AI-powered Micro-Fraud Inclusion Agent for risk assessment and financial trust scoring. Core Features: Digital Identity & KYC Aadhaar-like or decentralized identity (DID) based onboarding Face verification + OTP + document upload Optional e-KYC API integration Wallet creation without requiring a bank account Wallet System INR wallet and optional multi-currency wallet Store balance, transaction history Peer-to-peer transfers Mer