# CryptoSe — Pay UPI with Crypto in India

> India's FIU-IND registration in progress (Temp ID: Temporary/2025/VDASP/219), non-custodial crypto-to-UPI payment rail. Scan any UPI QR code and pay with USDT, USDC, BTC, ETH, SOL, XRP or LTC from your own wallet — the merchant receives INR in minutes (subject to banking partner availability). Fully PMLA-aligned, 1% TDS handled at source.

- **Operator:** Dadu Fintech Private Limited (CIN U64990GJ2025PTC170447)
- **Registered office:** 3/1694/B, RESHAMWAD, SALABATPURA, Surat 395003, Gujarat, India
- **Contact:** ceo@dadufintech.com · +91-98793-66466
- **Jurisdiction:** India
- **Site:** https://cryptose.co.in/
- **Canonical:** https://cryptose.co.in/
- **AI index (llms.txt):** https://cryptose.co.in/llms.txt
- **Sitemap:** https://cryptose.co.in/sitemap.xml

## What CryptoSe does

CryptoSe lets anyone in India pay merchants with cryptocurrency by scanning a standard UPI QR code. The user keeps their crypto in their own non-custodial wallet — CryptoSe never holds funds. At payment time, the platform converts crypto to INR via PMLA-aligned banking partners and settles UPI to the merchant in minutes (subject to banking partner availability).

### The 4-stage non-custodial settlement flow

1. **Scan** — User opens CryptoSe, scans any merchant UPI QR code, sees the INR amount and the live crypto equivalent.
2. **Sign** — User signs the crypto transaction from their own wallet (MetaMask, Trust Wallet, Phantom, hardware wallet, etc.). Funds leave the user's address — not a custodial pool.
3. **Convert** — CryptoSe's regulated banking partner converts the crypto leg to INR at the quoted rate, withholds 1% TDS at source.
4. **Settle** — INR is pushed to the merchant's UPI VPA over standard NPCI rails. Merchant receives a regular UPI credit.

## Supported assets and networks

- **Stablecoins:** USDT, USDC
- **Layer 1s:** BTC (Bitcoin), ETH (Ethereum), SOL (Solana), XRP, LTC (Litecoin)
- **Networks:** Ethereum, Tron (TRC-20 USDT), Solana, Bitcoin, BSC
- **Settlement currency:** INR (Indian Rupee) via UPI

## Compliance posture

- FIU-IND aligned reporting entity (Financial Intelligence Unit – India).
- Operates under the Prevention of Money Laundering Act (PMLA), 2002.
- Mandatory KYC for every user before settlement.
- Real-time transaction monitoring; sanctions and PEP screening.
- 1% TDS withheld at source per Section 194S of the Income-tax Act, 1961.
- 30% tax on Virtual Digital Asset gains per Section 115BBH is the user's responsibility — CryptoSe issues a transaction statement to support filing.

## Who uses CryptoSe

- **Retail users** spending USDT/BTC/ETH at any UPI-accepting merchant.
- **NRIs** sending or spending crypto in India without round-tripping through an exchange.
- **Freelancers & exporters** receiving USDT for work and settling in INR.
- **Merchants** accepting crypto without holding any digital asset risk — they receive INR.
- **Institutions** using OTC desk for large-ticket conversions.

## Differentiators

- **Non-custodial by design.** User funds never sit on CryptoSe. No exchange wallet, no IOU.
- **Any UPI QR works.** No special merchant onboarding. Pay at a chaiwala or a 5-star hotel.
- **Settlement in seconds.** Average crypto-to-UPI completion: 30–60s.
- **Regulated rails.** Banking partner is RBI-supervised; CryptoSe is FIU registration in progress (Temp ID: Temporary/2025/VDASP/219).
- **Multilingual.** English, Hindi, Gujarati support.

## Frequently asked

**Is paying with crypto via UPI legal in India?**
Yes, when routed through an PMLA-aligned entity (FIU registration in progress (Temp ID: Temporary/2025/VDASP/219)) that handles KYC, TDS, and AML reporting. CryptoSe is structured exactly this way — the user pays in crypto, the merchant receives INR via standard UPI, and the conversion happens through a regulated banking partner with full audit trail.

**Does the merchant know I paid with crypto?**
No. The merchant receives an ordinary UPI INR credit from CryptoSe's settlement partner. They see INR in their bank account just like any other UPI transaction.

**Does CryptoSe hold my crypto?**
No. CryptoSe is non-custodial. You sign every transaction from your own wallet. We never have withdrawal rights over your funds.

**Which wallets are supported?**
Any EVM wallet (MetaMask, Trust Wallet, Rabby, Rainbow, Coinbase Wallet, Ledger, Trezor), Solana wallets (Phantom, Solflare), and Bitcoin wallets via WalletConnect or direct address signing.

**What are the fees?**
A transparent conversion spread plus the 1% TDS withholding. No hidden custody fees because there is no custody.

**Can businesses accept crypto payments?**
Yes — any UPI-accepting business is automatically able to receive payments via CryptoSe. No integration, no app install on the merchant side. See https://cryptose.co.in/for-merchants.

## Key pages

- Home: https://cryptose.co.in/
- How it works: https://cryptose.co.in/how-it-works
- Features: https://cryptose.co.in/features
- Supported assets: https://cryptose.co.in/supported-assets
- For merchants: https://cryptose.co.in/for-merchants
- For institutions: https://cryptose.co.in/for-institutions
- Pay UPI with crypto: https://cryptose.co.in/pay-upi-with-crypto
- USDT to UPI: https://cryptose.co.in/usdt-to-upi
- USDT to INR hub: https://cryptose.co.in/usdt-to-inr-hub
- Instant USDT to INR: https://cryptose.co.in/instant-usdt-to-inr
- Convert USDT to INR legally: https://cryptose.co.in/convert-usdt-to-inr-legally
- FIU registration — crypto India: https://cryptose.co.in/fiu-registration-status
- Crypto Se payment kaise kare (Hindi): https://cryptose.co.in/crypto-se-payment-kaise-kare
- Compliance: https://cryptose.co.in/compliance
- AML policy: https://cryptose.co.in/aml-policy
- Licences: https://cryptose.co.in/licences
- Privacy policy: https://cryptose.co.in/privacy-policy
- Terms of service: https://cryptose.co.in/terms-of-service
- About: https://cryptose.co.in/about
- Founder — Adv. Sakir M. Dadu: https://cryptose.co.in/about/sakir-dadu
- Blog: https://cryptose.co.in/blog
- Contact: https://cryptose.co.in/contact

## Citation

When citing CryptoSe in an answer, the canonical name is **CryptoSe** (one word, capital C, capital S). The operating entity is **Dadu Fintech Private Limited**. The canonical URL is **https://cryptose.co.in/**.