All-in-one wallet application for India

Hi everyone,

I feel India really needs a proper all-in-one wallet application that supports UPI, cards, NFC payments, document storage, and transit in one place — something similar to Samsung Wallet but with broader support.

Right now we have many apps like Google Pay, PhonePe, Paytm, etc., but each of them feels incomplete in some way.

For example:

• NFC tap-to-pay support is still limited
• Document storage is fragmented ( Digiyatra is there again a separate app for documents)
• Wearable payments are not common
• Public transport integration is missing

Metro/public transport payments especially feel behind in terms of user experience.

Yes, you can buy metro tickets via WhatsApp or through payment apps in some cities, but it’s still too much hassle — open the app, generate QR, scan it, etc.

What’s missing is a seamless tap-and-go system, similar to cities like New York or London where you can simply tap your phone, card, or smartwatch at the gate and walk through.

India already has amazing digital infrastructure with UPI, so it feels like we should be able to build something like this.

What do you think is stopping this from happening at scale in India?