In a bid to combat rising digital payment fraud, the Reserve Bank of India (RBI) has proposed a one-hour delay for transactions exceeding ₹10,000. This measure is part of a broader discussion paper that includes enhanced authentication for vulnerable users and stricter monitoring of accounts. Currently, transactions above this threshold account for 45% of fraud cases by volume and 98.5% by value. The proposed delay would allow banks to flag anomalies and alert customers before finalizing transactions. Exemptions are suggested for merchant payments and recurring transactions, which already undergo stringent checks. The RBI also aims to protect vulnerable groups, such as the elderly and disabled, by allowing trusted individuals to authenticate high-value transactions. Additional proposals include setting annual inflow limits for accounts without enhanced due diligence and enabling account-level controls for digital payments. The RBI is inviting public comments on these measures until May 8, 2026, before drafting final guidelines.