Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{190844,
        author = {Madhav Vedpathak and Shravani Thorat and Pruthviraj Kashid and Kalyani Rahurkar and Atish Nikalje and Prof. Arati D. Dhumal},
        title = {Bridging the Digital Physical Currency Gap Using a Location Aware P2P Cash–UPI Exchange System},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {5195-5198},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190844},
        abstract = {This paper presents a novel methodological approach for bridging the gap between digital UPI payments and physical cash needs through a secure, peer-to-peer (P2P) exchange system. The primary objective is to detail the architecture and techniques used for secure authentication, real-time location-based service discovery, and reliable transaction management. The system employs a multi-layered technical stack utilizing Flutter for cross-platform development and Firebase for backend services. Key techniques include the Geo-fencing Proximity Algorithm for efficiently discovering nearby cash providers within a dynamic radius, and a Two-Factor Transaction Completion Protocol for secure cash handover and payment confirmation; Firebase Authentication and a verified UPI ID registry are used to establish baseline trust. The developed system effectively enables instant, secure cash-to-UPI exchanges, where real-time location sharing via MapLibre significantly improves coordination and safety, and the use of the giver's existing Google Pay QR code/link simplifies UPI payment integration. This methodology demonstrates a robust and scalable solution for decentralized cash access, reducing dependency on conventional banking infrastructure, and establishing a reliable, community-based framework for P2P financial services.},
        keywords = {Peer-to-Peer (P2P) Transactions, Geo-fencing Proximity Algorithm, Real-Time Location Tracking, Firebase, UPI, Service Discovery},
        month = {January},
        }