Passport Verification API: Identity Verification for NRI and Cross-Border Onboarding
The customers with the most money to move are often the hardest to onboard. An NRI opening an NRE account, a returning professional applying…
UAN Verification API: Automating Employment and Income Checks Through EPFO Data
“I work at a large IT company, â‚ą85,000 a month.” Every lender hears versions of this claim thousands of times a day, and the traditional…
CKYC Registry in India: What CKYC 2.0 Means for Banks, NBFCs, and Fintechs
A customer completes full KYC at a bank. Three months later, the same customer applies for a loan at an NBFC. The process restarts from zero:…
ITR Verification API: How Lenders Turn Tax Returns into Reliable Income Proof
Salaried borrowers leave income trails everywhere: payslips, EPFO contributions, salary credits. Self-employed borrowers leave one that…
Account Aggregator Framework: A Practical Guide for Lenders and Fintechs
For decades, proving income in India meant emailing bank statement PDFs documents that are slow to collect, painful to parse, and easy to…
Credit Score API: How Lenders Integrate Bureau Data into Digital Journeys
Every credit decision in India starts with the same question: how has this person handled debt before? And the answer lives with four…
Customer Due Diligence: The Framework Behind Every KYC Obligation
Ask most fintech teams what KYC requires, and they will describe a product flow: capture a document, run a face match, screen a name. Ask a…
Synthetic Identity Fraud: How Fake Borrowers Are Built and Caught
The most dangerous fraudster in your portfolio has no victim. No customer will call to report their identity stolen, because the identity does…
DigiLocker KYC: How Document-Based Digital Verification Works in India
Every uploaded document photo is a small act of faith. The customer photographs a PAN card, the institution’s OCR reads it, and a fraud team…
Aadhaar Masking: The UIDAI Rule Most Fintechs Still Get Wrong
Open the KYC archive of a typical Indian fintech, and you will find thousands of Aadhaar images with all twelve digits visible. Each one is a…