Transcript · Sarvam codemix
Namaste, main VaaniLabs se Priya bol rahi hoon, XYZ Finance ke liye. Yeh call record ho rahi hai. Aapka loan account ka EMI overdue hai.
Haan bolo, kitna pending hai?
Aapka ₹12,000 ka EMI 8 din se overdue hai. Kya aap aaj pay kar sakte hain?
Abhi thoda tight hai... UPI link bhej do, main sham tak kar dunga.
Bilkul. Main abhi aapko ek secure UPI payment link bhej rahi hoon. Aap apne UPI app se pay kar sakte hain. Dhanyavaad.
Payment: payment_link · ₹12,000 · status pending
https://rzp.io/sim/collect
Durable UPI primitive — authorized in the borrower's own app (out of PCI scope).
Pre-call gate
✓
calling_hours
11:30 IST ∈ 09:00–18:00
✓
dnd + consent
consent: collections_call ✓
✓
frequency
0 prior calls today
✓
pre_call_disclosure
SMS SIM-DISCLOSURE-0001 → agent identified
All four gates must pass before the dialer fires (RBI DLD 2025). Each decision is hashed + KMS-signed into the append-only audit chain.