The Reserve Bank of India (RBI) has introduced a proposal for a 'kill switch' mechanism designed to enhance the security of digital payments in India. This initiative comes in response to alarming statistics from the National Cyber Crime Reporting Portal (NCRP), which reported approximately 2.8 million digital payment fraud cases in 2025, resulting in losses amounting to ₹22,931 crore (around $2.8 billion USD). The proposed 'kill switch' will allow customers to disable all digital payment transactions from their accounts with a single action, overriding any existing controls set by the user. This feature aims to empower users and reduce the risk of fraud across various digital payment channels. Currently, while card-based payment systems offer some user-controlled features, such mechanisms are not uniformly available across all digital platforms. The RBI's proposal draws inspiration from Singapore's existing 'kill switch' system, which allows users to lock their online banking accounts instantly. To reactivate payments, the RBI suggests implementing stringent authentication measures, ensuring that only legitimate users can restore access. This proposal is part of a broader effort by the RBI to strengthen cybersecurity measures in the face of increasing digital fraud incidents.