Digital lenders hope to offer credit on Unified Payments Interface (UPI) again soon, about four months after the industry regulator halted the popular facility over compliance and user verification-linked concerns.

Their optimism stems from the view at the National Payments Corporation of India (NPCI), which manages UPI, that credit transactions should be allowed on the network with a proper reporting mechanism. It has, in fact, sought the Reserve Bank of India’s nod, according to two senior bankers aware of the development.

NPCI didn’t comment, while RBI didn’t respond to emailed queries.

Quick explainer: UPI, the country’s most popular payment mode, is known for primarily facilitating direct debit from customers’ bank accounts. Earlier this year, fintech apps began extending credit lines that one could use for UPI transactions.