In the bustling world of digital finance, Unified Payments Interface (UPI) stands as a beacon of convenience and innovation. Since its inception, UPI has revolutionized the way we transact, making payments seamless and hassle-free. But beyond its fundamental role in transferring funds, UPI harbours a hidden gem - the potential for credit. In this article, we embark on a journey to explore the untapped power of credit within UPI and how it can reshape the financial landscape for millions.