For NRIs and HNIs, the problem in 2026 is not just asset selection but capital mobility. A family earning money in the US, supporting family in India, paying tuition in the UK, running business operations in the UAE, and investing in Singapore and India needs money that moves fast, is cheap and compliant. Hence stablecoins, digital rupee and tokenised payment rails are becoming a strategic conversation and not a technical side-topic. The RBI is taking the digital rupee to welfare schemes and cross-border transactions, while Visa and Indian fintech Pine Labs are experimenting with stablecoin-based payment models, Reuters has reported.