Which UPI app is safest?

Safety in the UPI ecosystem largely depends on adhering to best practices and the security features inherent in the system. All UPI transactions use PIN protection, encryption, and fraud monitoring, adhering to NPCI and RBI guidelines. Users must keep their UPI PIN secret and use only official applications. Paytm offers advanced in-app protections and encourages users to enable features like the Security Shield and biometric login for added security during transactions.