Venkatesh Rao@vgrUPI: any wallet to any wallet open protocol, like PSTN. Yeah, need this. Things like Venmo are lousy for p2p. http://economictimes.indiatimes.com/et-now/daily/npci-launches-unified-payments-interface/videoshow/46321535.cms…4:13 PM · Sep 16, 20151 Retweet1 Like