2025年10月9日，印度总理纳伦德拉·莫迪表示，印度的技术系统简单、易用，全国人民都能轻松使用，强调了印度如何实现技术民主化，从而带来更公平的结果。
On October 9, 2025, Indian Prime Minister Narendra Modi said India's tech systems are simple, easy to use, and accessible to everyone across the country, emphasizing how India has democratized technology to bring about more equitable outcomes.
从2011年提出为每位公民建立生物识别身份的愿景，到建成全球最强大的支付系统之一，印度的数字公共基础设施（DPI）已获得全球关注，其核心是印度堆栈（India Stack）。莫迪总理表示：“印度堆栈不仅是印度成功的故事，更是世界的希望之光，尤其是对全球南方国家而言。”
From the 2011 vision of biometric identity for every citizen to building one of the world's strongest payment systems, India's DPI has gained global attention, with India Stack at its core. “India Stack is not merely a story of India's success, but a beacon of hope for the world, especially for countries in the Global South,” PM Modi said.
全球一半的实时数字交易发生在印度，这得益于统一支付接口（UPI）——印度堆栈的核心。仅在2025财年，UPI就处理了超过1850亿笔交易，交易额达261万亿卢比，占国内支付的80%以上。UPI支持离线支付、功能手机交易，并通过银行应用提供贷款，已广泛应用于街头小贩、零售店和在线投资者等日常场景。
Half of the world's real-time digital transactions happen in India, powered by the Unified Payments Interface (UPI) — the backbone of India Stack. In FY25 alone, UPI processed over 185 billion transactions worth ₹261 lakh crore, accounting for more than 80% of domestic payments. UPI enables offline payments, feature phone transactions, and lending through banking apps, and is widely used by street vendors, retail stores, and online investors.
除UPI外，印度堆栈还支撑了直接利益转移（DBT）系统。该系统已向327个计划转移了超过46.5万亿卢比的补贴，通过消除中间环节节省了4.31万亿卢比的资金漏损，受益人覆盖率从2014年的1.1亿增至2024年的17.6亿。
In addition to UPI, India Stack powers the Direct Benefit Transfer (DBT) system, which has transferred over ₹46.5 lakh crore across 327 schemes. By eliminating middlemen, it has saved ₹4.31 lakh crore in leakages, with beneficiary coverage surging from 11 crore in 2014 to 176 crore in 2024.
基于Aadhaar的eKYC将金融机构的客户入职成本从23卢比降至0.15卢比，eSign则允许对合同和贷款进行安全的电子签名。
Aadhaar-based eKYC has reduced onboarding costs from ₹23 to ₹0.15 per customer for financial institutions, while eSign enables secure digital signatures for contracts and loans.
印度的数字模式现已被视为全球公共产品——开放、可负担且包容。它比美国的市场主导模式更开放，比欧洲的强监管框架更简化，比中国的国家控制体系更透明。对于全球南方国家而言，印度提供了一个现成的蓝图。国际货币基金组织和联合国开发计划署估计，到2030年，此类模式可使中低收入经济体的国内生产总值提高1.1%至1.4%。
India's digital model is now seen as a global public good — open, affordable, and inclusive. It is considered more open than the US's market-led model, simpler than Europe's regulation-heavy framework, and more transparent than China's state-controlled setup. For nations in the Global South, India offers a ready-made blueprint. The IMF and UNDP estimate that such models could raise GDP by 1.1–1.4% in low and middle-income economies by 2030.
通过推动国内及跨境包容性发展，印度堆栈已成为全球最具影响力的数字公共基础设施模式之一。
By driving inclusive development both within the country and across borders, India Stack has emerged as one of the most impactful models of digital public infrastructure in the world.
