Runtime on Instagram: "PhonePe and GPay have competition. Zoho is getting into consumer UPI payments with Zoho Pay. This will be a new app that enables users to send and receive money, make UPI payments, and handle transactions directly through Arattai. Zoho Pay is currently in internal testing, with a public launch expected in the coming months, and once it’s live, Zoho Pay will be available as both a standalone app and an in-chat feature inside of Arattai. Sridhar Vembu actually showcased this