Transcript · Sarvam codemix
Namaste Ravi ji, XYZ Finance se. Aapka EMI ₹8,500 due hai.
Haan main abhi UPI se kar deta hoon.
Payment: upi_intent · ₹8,500 · status paid
upi://pay?…
Durable UPI primitive — authorized in the borrower's own app (out of PCI scope).
Pre-call gate
✓
calling_hours
12:04 IST ∈ 09:00–18:00
✓
dnd + consent
consent ✓
✓
frequency
0 prior calls today
✓
pre_call_disclosure
SMS delivered
All four gates must pass before the dialer fires (RBI DLD 2025). Each decision is hashed + KMS-signed into the append-only audit chain.