Secure UPI for Web3: Integration of Solana with Unified Payments Interface

Abstract

To make the payment system robust and user friendly, decentralized based Scan and Pay system need to be designed. This paper integrates the Unified Payments Interface (UPI) of India with the Solana-based Blockchain to make the payment system decentralized. Solana offers a high throughput and low-cost based decentralized infrastructure which is combined with the simple and reliable UPI system. So, the proposed system enables cryptocurrency transactions linked to UPI while maintaining user friendliness, scalability, and regulatory compliance. The designed method uses a secure architecture powered by smart contracts and modular design. It offers a viable bridge between centralized financial networks and emerging Web3 ecosystems. Proposed Solana-based UPI is compared with the Non-Solana based UPI which is using Blockchain. Results show that there is improvement of 91% in transaction latency and 95% in transaction cost as compared to the Non-Solana based UPI system.