How to use digital rupees without a bank account?

The Digital Rupee (e₹) is designed to act like digital cash, enabling instant person-to-person or person-to-merchant payments without needing a bank account for every transaction. To begin, you download the e₹ wallet app from a participating pilot bank, such as Federal Bank or Indian Bank. While e₹ itself is a liability of the Reserve Bank of India, in the current pilot phase, setting up the wallet and loading e₹ tokens typically involves linking it to your bank account.