DIGITAL RUPEEDigital rupee (e₹) and CBDC solutions for government
The digital rupee (e₹) is India’s central bank digital currency, issued by the Reserve Bank of India and distributed through banks. MuffinPay Digital Rupee is the technology partner to a participating bank, building programmable e₹ solutions for state and central departments, PSUs, defence and police: direct benefit transfer, subsidies, salaries and allowances, mess and canteens, incentives and collections. Every solution is pilot-ready with a partner bank, subject to RBI approval.
Programmable DBT
Benefits that carry the scheme’s rules: who, where, for what and until when.
Purpose-bound subsidies
Fertiliser, seed and LPG subsidies payable only to licensed dealers and distributors.
Offline e₹
Device-to-device payments for low-connectivity districts.
Payroll, allowances and incentives
Salaries stay free; mess, kit, travel and medical allowances, ASHA and Anganwadi honorariums and polling duty pay carry their purpose.
Citizen payments and e₹ gateway
Taxes, utility bills, fines and fees paid from any e₹ wallet by link, QR or tap, split and settled to the department at once.
One command centre
e₹ and MuffinPay state wallet payments together, by scheme and district.
MuffinPay is a technology provider, not a bank. It does not issue the digital rupee, open e₹ wallets or hold public funds; the RBI issues the e₹ and the participating bank provides wallets, KYC and settlement. All solutions are pilot-ready with a partner bank, subject to RBI approval.
Questions about the digital rupee for government
What is MuffinPay Digital Rupee?
MuffinPay Digital Rupee builds programmable digital rupee (e₹) solutions for government departments, PSUs, defence and police. MuffinPay is the technology partner to a participating bank: the bank provides e₹ wallets, KYC and settlement, and MuffinPay provides the rules layer, apps, gateway and command centre.
Who issues the digital rupee (e₹)?
The digital rupee is India’s central bank digital currency (CBDC). It is issued by the Reserve Bank of India and distributed to people and businesses through participating banks, in the same denominations as physical rupees.
What can governments use programmable e₹ for?
Direct benefit transfer with rules, purpose-bound subsidies for fertiliser, seed and LPG, salaries and allowances for defence, police, PSU staff and officers, defence mess and canteen payments, ASHA and Anganwadi incentives, polling duty pay, disaster relief, offline payments in low-network areas, and collections of taxes, bills, fines and fees.
Can citizens pay taxes and bills in e₹?
Yes. Through an e₹ payment gateway, citizens and businesses can pay property tax, utility bills, traffic challans, exam fees and vehicle tax from any e₹ wallet, by link, QR or tap at a counter. Each payment carries its bill reference and settles to the department at once.
Does MuffinPay hold public funds or issue e₹?
No. MuffinPay is a technology provider, not a bank. It does not issue the digital rupee, open e₹ wallets or hold public funds. All solutions are pilot-ready with a partner bank, subject to RBI approval.
How can a department start a pilot?
Write to info@muffinpay.com. We map one payment with the department and our partner bank and show a working demo, then pilot in one district or unit before scaling.