Dhyan Pay
Budget your UPI spending — without linking your bank
What it does
Scan any UPI QR, pick a spending wallet, and see the warning if you're over budget - then pay in your own UPI app with your own PIN. No bank linking, no SMS reading, no analytics companies. A notebook for your spending, made in India.
A budgeting layer on top of GPay, PhonePe and Paytm. Set a limit per wallet, see where you stand before you pay, then pay where you always did. Never touches your money.
Dhyan Pay puts one second between you and GPay — long enough to see what's left before it leaves. You still pay where you always pay. the actual payment happens in GPay, PhonePe, Paytm or CRED, under your own PIN. that handoff is why it can't touch your money — and why no banking licence applies. Android will offer to add it to your home screen. If it doesn't, use the browser menu and tap Install app . It's built for a phone — open this page on your Android phone or iPhone. Or have a look around from here. No. It never holds or moves money, and it can't — every payment happens inside GPay, PhonePe, Paytm or CRED. Dhyan Pay opens them with the amount filled in, and waits. Because it can't…from dhyanpay.in
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