If you want to praise Chinese in a thread, that's it I rest my case.
If by 'laid the framework' you simply mean China demonstrated that digital payments could work at massive scale, then sure, China deserves credit for that.
Making China the main driver of India’s digitalisation, however, is where I think the argument becomes fallacious. Being an earlier example is not the same as laying the framework someone else built on.
UPI emerged from India’s own banking infrastructure, NPCI, IMPS and the broader India Stack, Aadhaar (biometric data) ecosystem. Its architecture is also fundamentally different from the Alipay/WeChat Pay model.