e-RUPI is a prepaid, contactless digital voucher delivered via SMS or QR code that lets beneficiaries redeem specific services or subsidies without requiring a card, app, bank account, or internet access. It ensures transparent, one-time, purpose-specific payments that are fast, secure, and leak-proof. Beneficiaries enjoy hassle-free, privacy-preserving redemption; merchants gain guaranteed, real-time settlement; and governments or sponsors benefit from targeted, cost-effective delivery of welfare services