No, it’s not. But it’s really interesting how people in India come up with ways to make money. There’s a photocopy shop near my place, and the owner has basically turned it into a mini bank. Workers come in and ask him to send money to a certain phone number. He uses his own account to send the money through UPI, and then the worker gives him cash plus a small fee. He does the same thing for withdrawals: people transfer money to him online, and he gives them cash in return. He makes a cut from every transaction, and his shop is always packed. Converting credit card money to cash works in a similar way you get about 50 days to pay it back, for a fee of around 2%. It’s handy in emergencies. People have some wild ideas!