# EnKash Wallet Service 

## <span style="color:#7b2cbf">About EnKash Wallet</span>

EnKash, an **RBI-authorized non-banking Prepaid Payment Instrument (PPI) issuer**, offers a secure, scalable wallet service through its partner ecosystem. This service enables businesses, fintechs, and developers to embed **semi-closed PPI wallets** into their platforms, delivering seamless digital payment experiences for end-users.

The EnKash Wallet Service complies with the **RBI Master Directions on PPIs (2021)** and supports:

* Wallet creation (small & full-KYC)
* Loading & reloading via multiple channels
* UPI integration for P2P/P2M payments
* IMPS-based bank transfers

## <span style="color:#7b2cbf">Key Features</span>

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#### <span style="color:#7b2cbf">**Wallet Creation**</span>

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Purpose**
Create digital wallets for end-users to store and use funds.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Types**

  <Icon icon="solar-bold-hashtag-square"color="#7b2cbf"/> Small PPI Wallet

    * Limit: ₹10,000 monthly balance
    * Minimum KYC (OTP-based mobile verification)
    * Ideal for low-value transactions
 
    <Icon icon="solar-bold-hashtag-square"color="#7b2cbf"/> Full-KYC PPI Wallet

    * Limit: ₹2,00,000 monthly balance
    * Full KYC via Aadhaar, PAN, video/selfie
    * Supports UPI, IMPS, and higher limits

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Process**

  * Users register via partner platform (using mobile number).
  * Complete minimum or full KYC as required.
  * Receive unique wallet ID linked to mobile number & partner platform.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Validity**

  * Minimum one year from last load/reload.
  * Post-expiry: 10% monthly balance reduction until fully depleted.

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  #### <span style="color:#7b2cbf">**Wallet Loading & Reloading**</span>  

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Supported Methods**
  * Bank Transfers (NEFT/RTGS/IMPS)
  * Debit/Credit Cards
  * UPI (full-KYC wallets only)
  * Cash (small PPI wallets at authorized outlets, as per RBI norms)

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Limits**

  * Small PPI: ₹10,000 monthly
  * Full-KYC PPI: ₹2,00,000 monthly

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Security**
- PCI DSS-compliant payment gateways & end-to-end encryption.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Process**
  * User initiates load/reload via app or web.
  * Funds credited instantly post successful payment verification.

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#### <span style="color:#7b2cbf"> **UPI Support**</span>  

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Supported Methods**

* **Available for:** Full-KYC wallets only.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Capabilities**

  * Generate unique VPA (e.g. user\@enkash) for each wallet.
  * Make/receive payments via UPI apps (Google Pay, PhonePe, Paytm etc.).
  * QR code-based merchant payments.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Limits**

  * Standard: ₹1,00,000 per transaction.
  * Enhanced: ₹2,00,000 for specific segments (collections, insurance) per NPCI rules.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Interoperability**
- Fully compliant with RBI’s PPI interoperability mandates, allowing payments across all UPI platforms

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 #### <span style="color:#7b2cbf">**IMPS Bank Transfers**</span>  

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Purpose**
-   Enable instant transfers from full-KYC wallets to bank accounts.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Features**

  * Available 24x7, including holidays.
  * Transfer using account + IFSC or IMPS-registered mobile number.
  * Real-time credit to beneficiary account.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Limits**
-   Governed by full-KYC wallet cap (₹2,00,000/month) and bank-specific IMPS rules.

<Icon icon="remix-hashtag"color="#7b2cbf"/> **Security**
-   UPI PIN or equivalent 2FA, with encrypted processing.

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 #### <span style="color:#7b2cbf">**Additional Features**</span>  

<Icon icon="remix-hashtag"color="#7b2cbf"/>  **Transaction Tracking**
-   Real-time transaction history and balances via partner dashboard or APIs.

<Icon icon="remix-hashtag"color="#7b2cbf"/>  **Merchant Payments**
-   Pay at EnKash-contracted merchants for goods/services or bill payments.

<Icon icon="remix-hashtag"color="#7b2cbf"/>  **Corporate Solutions**

  * Employee expense management
  * Vendor payments
  * Rewards & incentives programs

<Icon icon="remix-hashtag"color="#7b2cbf"/>  **Security & Compliance**

  * PCI DSS compliance, tokenization, real-time fraud detection
  * Instant wallet freeze/block via API or support

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## <span style="color:#7b2cbf">Partner Benefits</span>

* **Superior User Experience:**
  Seamlessly integrate digital wallets with UPI & IMPS

* **Revenue Opportunities:**
  Earn on transactions

* **Scalable & Customizable:**
  From startups to large enterprises

* **Compliance Simplified:**
  EnKash handles end-to-end RBI compliance

* **Enable Financial Inclusion:**
  Reach unbanked & underbanked users via small PPI wallets

## <span style="color:#7b2cbf">Integration Options</span>


| Option              | Use Case                                                         |
| ------------------- | ---------------------------------------------------------------- |
| API Integration | Full custom control for websites & apps.                         |
| SDKs            | Quick mobile integrations (Android, iOS, Node.js, Python, Java). |
| Payment Gateway   | Easy wallet loads or merchant collections, minimal code.         |
| QR Codes        | Fast setup for UPI payments in-store or online.                  |