Which UPI is most safe

All UPI applications regulated by the NPCI and RBI adhere to strict security guidelines, ensuring a foundation of safety for digital transactions. Security features include PIN protection, encryption, OTP verification, and fraud monitoring. The safety of a UPI transaction largely depends on user vigilance, such as protecting the UPI PIN and only downloading apps from official stores. For instance, some apps, like Paytm, offer advanced in-app protections such as app lock with biometric authentication.