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Money moved via UPI sits as a liability of which entity, compared to the Digital Rupee (CBDC) held in a wallet?

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1. Money moved via UPI sits as a liability of which entity, compared to the Digital Rupee (CBDC) held in a wallet?

UPI money is a commercial bank liability; CBDC is a direct RBI liability

Both UPI money and CBDC are commercial bank liabilities

Both UPI money and CBDC are direct RBI liabilities

UPI money is an RBI liability; CBDC is a commercial bank liability

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