Built from official regulator sources Design partner preview

Turn regulatory updates
into assigned work.

Mereth reads primary regulatory sources, checks what applies to your product, systems, and operations, and gives your team clear next steps: affected workflows, likely owner, relevant dates, and source citation.

Built for Indian SaaS and regulated businesses. Starting coverage includes RBI, SEBI, NPCI, CERT-In, MeitY, and DPDP-related obligations.

Not legal advice - source-linked interpretation for product, compliance, engineering, and operations review.

Section 01

The "Fifty Browser Tabs" Reality.

A new regulatory update lands.

Legal understands the obligation.

Engineering owns part of the implementation.

Operations may need to change a process.

Product has to decide what actually changes for customers.

But most teams still rely on browser tabs, Slack threads, PDFs, email forwards, and manual interpretation to figure out:

  • What changed?
  • Does it apply to us?
  • Which product, system, workflow, vendor, or process is affected?
  • Who owns the next step?
  • When does it need to be done?

That ambiguity turns into execution risk: teams overbuild a clause that does not apply, miss a customer-facing workflow, or discover NPCI/UPI/OC-226 and DPDP Rules, 2025 after ownership has already slipped.

Mereth turns that uncertainty into a structured workflow your team can review, assign, and act on.

The Workflow

From raw circular to assigned work.

01

Raw Signal Capture

Mereth monitors official regulatory sources directly, so your team is not relying on secondhand commentary, forwarded PDFs, or someone's interpretation in a group chat.

Original source attached
02

Does this apply to us?

Not every update matters to every business. Mereth checks whether an update affects your product, systems, workflows, vendors, data flows, policies, controls, or customer experience.

Applicability Layer
03

Route the work

Once an update applies, Mereth turns it into clear execution steps your team can review, assign, and move into Jira, Linear, Notion, email, or your internal workflow.

Execution handoff
Product Preview

A regulatory update becomes a reviewable work package.

Source intake

NPCI UPI authentication update

NPCI source
Official source 7 Oct 2025 UPI apps / PSP banks / issuer banks

NPCI/UPI/OC-226 introduces additional authentication methods for UPI, including UIDAI face authentication for UPI PIN set/reset and on-device biometric authentication for transactions. Mereth maps the circular to consent, device binding, communication, key rotation, and inactive-state work.

Does it apply? Yes - UPI auth flow
Likely owner Product + mobile engineering
Review focus Consent and biometric lifecycle

Suggested work items

  • Add explicit consent and opt-out before biometric enablement Product
  • Capture fresh consent after device binding or UPI PIN reset Mobile
  • Schedule key rotation before one year of biometric enablement Security
  • Mark biometric method inactive after 90 days without use Engineering

Source citation kept attached

NPCI/UPI/OC-226/2025-26 - Introduction of Additional Authentication methods in UPI. Output is a review aid, not legal advice.

Action package

Route to

upi-auth-flow

Create review tasks for consent screens, biometric state handling, customer communication, key rotation, and inactive-state recovery.

Confidence Needs review
Export Jira-ready
Source-linked by design

Review every recommendation against the original update.

Mereth does not summarize blogs or scrape commentary. Each update starts from the primary source, keeps the citation attached, and separates three things:

  1. 01 What the regulator said
  2. 02 What may apply to your product, systems, or operations
  3. 03 What action your team should review or take

That distinction matters. Mereth is not legal advice - it gives product, compliance, engineering, and operations teams a source-linked starting point for review.

Built for execution teams

Built for teams where compliance becomes execution work.

Mereth helps regulated Indian businesses move faster when regulatory change touches real systems, processes, vendors, and customer-facing workflows.

Starting coverage

RBI SEBI NPCI CERT-In MeitY DPDP obligations More as coverage expands

Designed for

  • Compliance teams Implementation clarity
  • Product teams Customer and workflow changes
  • Engineering teams Actionable requirements
  • Operations teams Process-level next steps
  • Founders and business leaders Confidence that important updates are not missed
Integration Layer

It runs on top of whatever you already use.

Vanta and Drata help you collect evidence once you know what compliance looks like. Mereth is for figuring that out in the first place. Different problem, different tool.

Complementary to Drata/Vanta
Jira/Linear/Notion Handoff
M

Mereth

PREVIEW

source/npci-upi-oc-226-authentication

Signal Interpretation

Update: UPI authentication methods

Impact Analysis: Match found in upi-auth-flow. Review consent, device binding, biometric state handling, customer communication, key rotation, and inactive-state recovery before rollout.

Regulatory Citations

NPCI/UPI/OC-226/2025-26 - Additional authentication methods
Key guidelines - consent, device binding, key rotation, inactive state

Things people ask.

Is Mereth legal advice?

No. Mereth is not legal advice and does not replace your legal, compliance, or regulatory review. It provides source-linked interpretation and execution support so your team can review obligations faster and act with more clarity.

Who is Mereth for?

Mereth is for Indian SaaS companies and regulated businesses where regulatory updates create product, compliance, engineering, operational, vendor, data, or customer-facing work.

Which regulatory sources does Mereth support?

Starting coverage includes RBI, SEBI, NPCI, CERT-In, MeitY, and DPDP-related obligations. Coverage will expand into additional regulatory domains over time.

Does Mereth create tickets automatically?

Mereth can structure regulatory updates into Jira-ready or workflow-ready action items. Your team should review and approve actions before assigning or implementing them.

Does Mereth only support software teams?

No. Mereth is built for any team where regulatory change creates execution work, including engineering changes, product changes, operating process changes, vendor follow-ups, policy updates, and customer communication.

Why apply for access?

Design partners get early access and help shape how Mereth maps regulatory updates to real products, systems, workflows, and operating contexts.

Stop finding obligations
after the work is late.

Regulatory change should not depend on who saw the PDF first. Mereth turns official updates into owned, trackable work before they become audit issues, customer issues, or last-minute fire drills.