HDFC Bank Integrates Digital Rupee CBDC into SmartGateway Platform
In January 2026, HDFC Bank integrated the Reserve Bank of India’s (RBI) Central Bank Digital Currency (CBDC), the Digital Rupee (e₹), into its online merchant payment platform, SmartGateway.
In January 2026, HDFC Bank integrated the Reserve Bank of India’s (RBI) Central Bank Digital Currency (CBDC), the Digital Rupee (e₹), into its online merchant payment platform, SmartGateway.
- What: Integration of RBI’s Digital Rupee (CBDC) into SmartGateway
- By Whom: HDFC Bank
- Platform: SmartGateway
- Key Feature: Zero transaction cost for merchants
- Objective: To provide a secure, sovereign-backed digital payment option.
About CBDC Integration:
Platform: SmartGateway now supports the RBI-backed Digital Rupee (CBDC) alongside existing payment options like Unified Payments Interface (UPI), cards, and net banking.
Cost: Merchants can accept Digital Rupee payments at zero transaction cost, with an intermediary-free, efficient settlement process.
Customers: Enables a seamless, instant, and secure digital payment experience combining UPI convenience with sovereign-backed digital currency.
Impact: Strengthens the bank’s digital-first strategy and supports India’s transition to a cash-light, inclusive digital economy.
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