Paytm has released a completely new version of its app with artificial intelligence (AI) features.
The company says this update will make payments faster, smarter, and more personalized.
The new app comes with over 15 features, including a Gold Coins reward system, smart budgeting, AI-powered tags, and enhanced privacy controls.
Smarter Payments and Expense Management
The AI in the new Paytm app can analyze your transaction history and automatically categorize your expenses into shopping, bills, travel, and utilities.
This makes budgeting easier and provides insights into spending habits.
The balance history section shows the total balance across all UPI accounts at once, so users no longer need to check individual accounts separately.
Digital Gold Rewards
One of the most exciting features is Gold Coins.
Every payment you make on Paytm now earns digital gold, which can later be converted into real digital gold.
CEO Vijay Shekhar Sharma calls this innovation a way to turn every payment into a golden payment and encourage Indian users to save.
Useful Features for Daily Transactions
The app also introduces practical tools:
Magic Paste: Auto-fills bank or IFSC details copied from WhatsApp.
Favorite Contacts: Save frequently used contacts for quick payments.
Hide Payments: Maintain privacy by hiding transaction details.
Improved QR Scanner: Recognizes QR codes from any angle, works in low light with automatic flashlight, and supports zoom-in.
Special Features for NRIs and Professionals
The new Paytm app now supports Non-Resident Indians (NRIs) from 12 countries.
They can make UPI payments in Indian Rupees by linking their international mobile numbers to NRE or NRO bank accounts.
Professionals like doctors, gym trainers, and taxi drivers can now receive payments directly on the home screen using the Receive Money widget, making transactions faster and easier.
This AI-powered update makes Paytm more than just a payment app—it’s now a tool for budgeting, saving, and seamless financial management.
