It is basically an indian app developer by phonepe authority to make india a digitalised one but they are advicing the people indirectly to not to make payments online.They have not succeeded in digitalising india.The app looks pretty good to work and it also works good in wrong way.The app canbe used in your local language.Transactions happen from phonepe to phonepe and phonepe to bank and vice versa and they wont happen from phonepe to other wallets and viceversa.I lost around 300 by using this app.To me it is worst payment app I have ever used.I suggest you guys to avoid it.If you like my review hit the like button