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DPI, Indian regulation, the Bengaluru tech scene, and Indian SaaS.
ONDC crossed 218 million transactions in FY 2025-26. But mobility now drives over half of all orders, and retail — the segment the protocol was built to democratise — peaked in October 2024 and has been falling since.
The India Stack is five distinct infrastructure layers at very different stages of maturity. An honest builder's guide to Aadhaar, UPI, Account Aggregator, ONDC, and OCEN in 2026 — with real numbers.
India now has more than 2,000 Global Capability Centres employing two million engineers. For Indian SaaS founders, that creates two distinct problems and one overlooked opportunity.
India has five DPI layers: Aadhaar, UPI, ONDC, Account Aggregator, and OCEN. Each is governed separately, has its own API surface, and has a different adoption curve. Here is what each one does in 2026.
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