The toolkit runs on rooted phones controlled by attackers. It intercepts SMS and SIM info, grabs OTPs, fakes sent messages, and even resets PINs, all without tipping off the real user.
This lets hackers log in to UPI accounts quietly, making it tough for victims to notice anything's wrong.
Digital Lutera was created by a developer known as Berlin (@Syntext_Erorr), who has a reputation for Android hacking and fintech scams.
The toolkit is being shared in Telegram groups (some with more than 100 members) using files disguised as harmless downloads.
Because Digital Lutera tricks the phone's system into thinking everything's normal, it dodges most security checks.
If you use UPI apps or download files from unknown sources, there's a real risk of losing access (or even money) from your account.
Stay cautious about what you install!
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