[Xiaomi Mi A2 Lite Guides, News, & Discussion] fizze17:
no, you need to flash all images extracted from payload.bin.

You need to modify/extend flash_all.bat from xiaomi stock image.

Here's a working version of flash_all.bat:

fastboot %* getvar product 2>&1 | findstr /r /c:"^product: *daisy" || [MENTION=279333]ECHO[/MENTION] "error : Missmatching image and device" && exit /B 1
set CURRENT_ANTI_VER=1
for /f "tokens=2 delims=: " %%i in ('fastboot %* getvar rollback_ver 2^>^&1 ^| findstr /r /c:"rollback_ver:"') do (set version=%%i)
if [%version%] EQU [] set version=0
if %version% GTR %CURRENT_ANTI_VER% (
[MENTION=279333]ECHO[/MENTION] "error : current device antirollback version is greater than this package"
exit /B 1
)
fastboot %* erase boot_a || [MENTION=279333]ECHO[/MENTION] "Erase boot_a error" && exit /B 1
fastboot %* flash modem_a %~dp0\images\modem.img || [MENTION=279333]ECHO[/MENTION] "Flash modem_a error" && exit /B 1
fastboot %* flash modem_b %~dp0\images\modem.img || [MENTION=279333]ECHO[/MENTION] "Flash modem_b error" && exit /B 1
fastboot %* flash sbl1_a %~dp0\images\sbl1.img || [MENTION=279333]ECHO[/MENTION] "Flash sbl1_a error" && exit /B 1
fastboot %* flash sbl1_b %~dp0\images\sbl1.img || [MENTION=279333]ECHO[/MENTION] "Flash sbl1_b error" && exit /B 1
fastboot %* flash rpm_a %~dp0\images\rpm.img || [MENTION=279333]ECHO[/MENTION] "Flash rpm_a error" && exit /B 1
fastboot %* flash rpm_b %~dp0\images\rpm.img || [MENTION=279333]ECHO[/MENTION] "Flash rpm_b error" && exit /B 1
fastboot %* flash tz_a %~dp0\images\tz.img || [MENTION=279333]ECHO[/MENTION] "Flash tz_a error" && exit /B 1
fastboot %* flash tz_b %~dp0\images\tz.img || [MENTION=279333]ECHO[/MENTION] "Flash tz_b error" && exit /B 1
fastboot %* flash devcfg_a %~dp0\images\devcfg.img || [MENTION=279333]ECHO[/MENTION] "Flash devcfg_a error" && exit /B 1
fastboot %* flash devcfg_b %~dp0\images\devcfg.img || [MENTION=279333]ECHO[/MENTION] "Flash devcfg_b error" && exit /B 1
fastboot %* flash dsp_a %~dp0\images\dsp.img || [MENTION=279333]ECHO[/MENTION] "Flash dsp_a error" && exit /B 1
fastboot %* flash dsp_b %~dp0\images\dsp.img || [MENTION=279333]ECHO[/MENTION] "Flash dsp_b error" && exit /B 1
fastboot %* flash sec %~dp0\images\sec.dat || [MENTION=279333]ECHO[/MENTION] "Flash sec error" && exit /B 1
fastboot %* flash splash %~dp0\images\splash.img || [MENTION=279333]ECHO[/MENTION] "Flash splash error" && exit /B 1
fastboot %* flash aboot_a %~dp0\images\aboot.img || [MENTION=279333]ECHO[/MENTION] "Flash aboot_a error" && exit /B 1
fastboot %* flash aboot_b %~dp0\images\aboot.img || [MENTION=279333]ECHO[/MENTION] "Flash aboot_b error" && exit /B 1
fastboot %* flash boot_a %~dp0\images\boot.img || [MENTION=279333]ECHO[/MENTION] "Flash boot_a error" && exit /B 1
fastboot %* flash boot_b %~dp0\images\boot.img || [MENTION=279333]ECHO[/MENTION] "Flash boot_b error" && exit /B 1
fastboot %* flash system_a %~dp0\images\system.img || [MENTION=279333]ECHO[/MENTION] "Flash system_a error" && exit /B 1
fastboot %* flash system_b %~dp0\images\system_other.img || [MENTION=279333]ECHO[/MENTION] "Flash system_b error" && exit /B 1
fastboot %* flash vendor_a %~dp0\images\vendor.img || [MENTION=279333]ECHO[/MENTION] "Flash vendor_a error" && exit /B 1
fastboot %* flash vendor_b %~dp0\images\vendor.img || [MENTION=279333]ECHO[/MENTION] "Flash vendor_b error" && exit /B 1
fastboot %* flash lksecapp %~dp0\images\lksecapp.img || [MENTION=279333]ECHO[/MENTION] "Flash lksecapp error" && exit /B 1
fastboot %* flash lksecappbak %~dp0\images\lksecapp.img || [MENTION=279333]ECHO[/MENTION] "Flash lksecappbak error" && exit /B 1
fastboot %* flash cmnlib_a %~dp0\images\cmnlib.img || [MENTION=279333]ECHO[/MENTION] "Flash cmnlib_a error" && exit /B 1
fastboot %* flash cmnlib_b %~dp0\images\cmnlib.img || [MENTION=279333]ECHO[/MENTION] "Flash cmnlib_b error" && exit /B 1
fastboot %* flash cmnlib64_a %~dp0\images\cmnlib64.img || [MENTION=279333]ECHO[/MENTION] "Flash cmnlib64_a error" && exit /B 1
fastboot %* flash cmnlib64_b %~dp0\images\cmnlib64.img || [MENTION=279333]ECHO[/MENTION] "Flash cmnlib64_b error" && exit /B 1
fastboot %* flash keymaster_a %~dp0\images\keymaster.img || [MENTION=279333]ECHO[/MENTION] "Flash keymaster_a error" && exit /B 1
fastboot %* flash keymaster_b %~dp0\images\keymaster.img || [MENTION=279333]ECHO[/MENTION] "Flash keymaster_b error" && exit /B 1
fastboot %* flash mdtp_a %~dp0\images\mdtp.img || [MENTION=279333]ECHO[/MENTION] "Flash mdtp_a error" && exit /B 1
fastboot %* flash mdtp_b %~dp0\images\mdtp.img || [MENTION=279333]ECHO[/MENTION] "Flash mdtp_b error" && exit /B 1
REM fastboot %* flash userdata %~dp0\images\userdata.img || [MENTION=279333]ECHO[/MENTION] "Flash userdata error" && exit /B 1
fastboot %* set_active a
fastboot %* reboot || [MENTION=279333]ECHO[/MENTION] "Reboot error" && exit /B 1

Change/Uncomment line 42 if you want to do a factory reset

Hint: You have to take userdata.img from stock fastboot image, as it's not content of the ota(payload.bin)

fastboot %* flash userdata %~dp0\images\userdata.img || [MENTION=279333]ECHO[/MENTION] "Flash userdata error" && exit /B 1