By Swastik Sharma NITI Aayog recently released the draft of Data Empowerment and Protection Architecture (“DEPA”) for public comments. DEPA is the last layer of India Stack and the next significant digital public utility after UPI, as it scales and expands the financial sector NBFC-AA (Account Aggregator) model to other sectors. Apps built upon DEPA can offer services on the basis of one’s personal data like tax returns, expenditure behaviour or invoices raised through Amazon. Although the draft DEPA has few creases to iron, let’s first discuss what makes it so special that it is bein...