{"id":763,"date":"2026-06-01T03:44:38","date_gmt":"2026-06-01T02:44:38","guid":{"rendered":"https:\/\/www.befisc.com\/fintechsherlock\/?p=763"},"modified":"2026-06-01T08:14:18","modified_gmt":"2026-06-01T07:14:18","slug":"video-kyc-solution-api-rbi","status":"publish","type":"post","link":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/","title":{"rendered":"Video KYC API: How It Works and What Compliance Teams Need to Know"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Introduction<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Video KYC Solution allows financial institutions to <a href=\"https:\/\/www.befisc.com\/fintechsherlock\/automated-identity-verification-guide\/\">verify customers remotely <\/a>using a secure video-based process. In January 2020, RBI introduced the Video Customer Identification Process (V-CIP) as a valid <a href=\"https:\/\/www.befisc.com\/fintechsherlock\/kyc-api-integration-guide\/\">alternative to physical KYC<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a result, NBFCs, banks, and fintech platforms can now onboard customers without requiring branch visits. This shift enables faster onboarding and improves customer experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, modern Video KYC APIs make the entire process scalable. Instead of building custom infrastructure, businesses can integrate a ready-to-use Video KYC Solution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, you will learn how a Video KYC Solution works, how APIs support the process, and what RBI compliance requirements you must follow.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Is RBI&#8217;s Video KYC (V-CIP) Framework?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">RBI\u2019s Video Customer Identification Process (V-CIP) allows regulated entities to complete KYC through a live video session.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In simple terms, a Video KYC Solution replaces in-person verification with a secure digital interaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key Requirements Defined by RBI<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Live video interaction<\/strong><br>The system must conduct a real-time session. Pre-recorded videos are not allowed.<\/li>\n\n\n\n<li><strong>Document verification<\/strong><br>The customer must show an Aadhaar or Officially Valid Document (OVD) during the session.<\/li>\n\n\n\n<li><strong>Geolocation capture<\/strong><br>The system must record the customer\u2019s location during verification.<\/li>\n\n\n\n<li><strong>Session recording<\/strong><br>The platform must store all recordings for at least five years.<\/li>\n\n\n\n<li><strong>AI or agent-led verification<\/strong><br>RBI allows both automated and agent-assisted Video KYC Solutions.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How a Video KYC Solution Works<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A Video KYC Solution follows a structured workflow. Each step ensures compliance and security.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Session Initiation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The system generates a secure session link. The customer receives it via SMS or app notification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then, the customer opens the link and starts the session. No app download is required.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. Pre-Session Checks<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before the session begins, the system checks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Camera availability<\/li>\n\n\n\n<li>Internet speed<\/li>\n\n\n\n<li>Browser compatibility<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If any issue appears, the system alerts the user. This step reduces failed sessions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Live Video Verification<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">During the session, the system performs multiple checks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Captures identity documents<\/li>\n\n\n\n<li><a href=\"https:\/\/www.befisc.com\/fintechsherlock\/ocr-api-document-extraction-financial-onboarding\/\">Runs OCR for data extraction<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.befisc.com\/fintechsherlock\/biometric-verification-kyc-banks-fintechs\/\">Performs face matching<\/a><\/li>\n\n\n\n<li>Conducts liveness detection<\/li>\n\n\n\n<li>Records geolocation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, an agent or AI system verifies the user.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4. Recording and Storage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The system records the entire session.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It stores:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Video recording<\/li>\n\n\n\n<li>Timestamp<\/li>\n\n\n\n<li>Location data<\/li>\n\n\n\n<li>Verification results<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This data forms the audit trail required by RBI.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fraud Risks in Video KYC Solutions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As adoption grows, fraud attempts are also increasing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common Threats<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deepfake attacks<\/strong><br>Fraudsters use AI-generated videos to impersonate users.<\/li>\n\n\n\n<li><strong>Replay attacks<\/strong><br>Attackers play pre-recorded videos during verification.<\/li>\n\n\n\n<li><strong>Presentation attacks<\/strong><br>Fake images or screens attempt to bypass checks.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">How to Prevent Fraud<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A secure Video KYC Solution must include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.befisc.com\/fintechsherlock\/biometric-verification-kyc-banks-fintechs\/\">Active liveness detection<\/a><\/li>\n\n\n\n<li>Random user prompts (blink, smile, turn head)<\/li>\n\n\n\n<li>Real-time verification checks<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These measures ensure that the user is physically present.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>RBI Compliance Checklist for Video KYC Solution<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To stay compliant, your Video KYC Solution must meet these requirements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Conduct live video sessions only<\/li>\n\n\n\n<li>Capture and store geolocation<\/li>\n\n\n\n<li>Verify OVD documents in real time<\/li>\n\n\n\n<li>Perform face matching<\/li>\n\n\n\n<li>Store session data for five years<\/li>\n\n\n\n<li>Maintain a complete audit trail<\/li>\n\n\n\n<li>Capture customer consent<\/li>\n\n\n\n<li>Enable agent oversight when required<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Where BeFiSc Fits<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">BeFiSc offers a<a href=\"https:\/\/www.befisc.com\/fintechsherlock\/identity-verification-providers-evaluation-guide\/\"> complete Video KYC Solution<\/a> designed for RBI compliance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The platform provides:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Secure session management<\/li>\n\n\n\n<li>Document verification<\/li>\n\n\n\n<li>Face match and liveness detection<\/li>\n\n\n\n<li>Geolocation tracking<\/li>\n\n\n\n<li>Full audit trail generation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, it supports both AI-led and agent-assisted verification.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Video KYC Solution enables remote and compliant onboarding<\/li>\n\n\n\n<li>RBI allows Video KYC as a valid alternative to physical KYC<\/li>\n\n\n\n<li>Security features like liveness detection are critical<\/li>\n\n\n\n<li>Proper storage and audit trails are mandatory<\/li>\n\n\n\n<li>APIs make integration fast and scalable<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1780246186401\"><strong class=\"schema-faq-question\"><strong>Is Video KYC legally equivalent to physical KYC for account opening?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, under RBI&#8217;s V-CIP circular (January 2020 and subsequent updates), Video KYC completed as per the specified requirements is legally equivalent to physical KYC for individual account opening and loan origination by regulated entities.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780246675833\"><strong class=\"schema-faq-question\"><strong>Is Video KYC legally equivalent to physical KYC for account opening?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, under RBI&#8217;s V-CIP circular (January 2020 and subsequent updates), Video KYC completed as per the specified requirements is legally equivalent to physical KYC for individual account opening and loan origination by regulated entities.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780246779852\"><strong class=\"schema-faq-question\"><strong>What happens if a VKYC session fails mid-way?<\/strong><\/strong> <p class=\"schema-faq-answer\">Failed sessions must be handled gracefully \u2014 session state preserved, customer notified, and a fresh session initiated. Partial session data must not be used for compliance decisions. Well-designed VKYC APIs include session recovery logic to restart from pre-failure checkpoints.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1780246871641\"><strong class=\"schema-faq-question\"><strong>Can AI-led VKYC replace agent-led VKYC entirely?<\/strong><\/strong> <p class=\"schema-faq-answer\">RBI permits AI-led VKYC for certain use cases but requires human agent oversight and the ability to escalate to a live agent. Full autonomous AI VKYC without any human oversight capacity is not currently permitted for regulated entities.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"Introduction A Video KYC Solution allows financial institutions to verify customers remotely using a secure video-based process. In&hellip;","protected":false},"author":8,"featured_media":897,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[5],"tags":[309,310,308,306,307],"class_list":["post-763","post","type-post","status-publish","format-standard","has-post-thumbnail","category-resources","tag-digital-kyc-india","tag-live-video-verification","tag-rbi-video-kyc","tag-video-kyc","tag-vkyc-api","cs-entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Video KYC Solution: How Video KYC API Works + RBI Compliance<\/title>\n<meta name=\"description\" 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updates), Video KYC completed as per the specified requirements is legally equivalent to physical KYC for individual account opening and loan origination by regulated entities.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/#faq-question-1780246675833","position":2,"url":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/#faq-question-1780246675833","name":"Is Video KYC legally equivalent to physical KYC for account opening?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, under RBI's V-CIP circular (January 2020 and subsequent updates), Video KYC completed as per the specified requirements is legally equivalent to physical KYC for individual account opening and loan origination by regulated entities.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/#faq-question-1780246779852","position":3,"url":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/#faq-question-1780246779852","name":"What happens if a VKYC session fails mid-way?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Failed sessions must be handled gracefully \u2014 session state preserved, customer notified, and a fresh session initiated. Partial session data must not be used for compliance decisions. Well-designed VKYC APIs include session recovery logic to restart from pre-failure checkpoints.","inLanguage":"en-GB"},"inLanguage":"en-GB"},{"@type":"Question","@id":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/#faq-question-1780246871641","position":4,"url":"https:\/\/www.befisc.com\/fintechsherlock\/video-kyc-solution-api-rbi\/#faq-question-1780246871641","name":"Can AI-led VKYC replace agent-led VKYC entirely?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"RBI permits AI-led VKYC for certain use cases but requires human agent oversight and the ability to escalate to a live agent. Full autonomous AI VKYC without any human oversight capacity is not currently permitted for regulated entities.","inLanguage":"en-GB"},"inLanguage":"en-GB"}]}},"_links":{"self":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts\/763","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/comments?post=763"}],"version-history":[{"count":3,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts\/763\/revisions"}],"predecessor-version":[{"id":886,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/posts\/763\/revisions\/886"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/media\/897"}],"wp:attachment":[{"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/media?parent=763"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/categories?post=763"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.befisc.com\/fintechsherlock\/wp-json\/wp\/v2\/tags?post=763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}