Fintech & Payments

API-First KYC for Mobile-Native Products

Wallet onboarding, prepaid card KYC, merchant verification, and re-KYC at scale. Consume the identity stack as APIs from your own native experience — or use the full managed journey when speed-to-market matters more.

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Fintech KYC

Industry Challenges

Fintech KYC Has Its Own Shape

Mobile-Native Expectations

Fintech users live inside apps. Anything that breaks the in-app experience — a redirect, a webview, a popup — costs conversion.

Spiky Acquisition

A new campaign or a hot product launch can spike onboarding 10x in a day. Capacity walls in KYC infrastructure show up at exactly the worst moment.

Tiered Wallet KYC

Min-KYC, small PPI, full-KYC wallets all coexist — each with different limits, different document requirements, different upgrade paths.

Merchant Underwriting

Merchant onboarding mixes business verification (GST, GSTIN, current account) with director KYC. The two have to be orchestrated together.

Fraud at Scale

Synthetic identities, mule accounts, and SIM-swap attacks are constant. The KYC platform is one of the few places to push back without breaking real users.

Periodic Re-KYC

RBI mandates periodic re-KYC for wallets and prepaid instruments. Forcing existing users back through a full KYC kills retention.

How IDBroker Helps

Two Consumption Models, One Identity Stack

Native API Consumption

Keep your existing in-app onboarding. Call DigiLocker, PAN, BAV, face match, and liveness APIs directly — same services that power our managed journey.

Full Managed Journey

Need to ship fast? Use the full hosted journey with track-status portal, drop-off resume, send-back, and webhooks — integrated in days, not months.

Serverless Elastic Scale

Verification services run serverless. A 10x acquisition spike absorbs cleanly — not a single capacity conversation needed.

Tiered KYC Out of the Box

Min-KYC, small PPI, and full-KYC journeys are pre-configured with the right document and check mixes. Pick the tier, the platform handles the rest.

Multi-Party Merchant Flows

Business KYC and director KYC orchestrated together as a single journey — with maker-checker for risky merchant categories.

Light-Touch Re-KYC

Re-KYC reuses prior records and asks only for what has changed. Existing users stay onboarded; regulators stay satisfied.

From KYC to National ID — One Platform.

Compose API-driven KYC journeys, or stand up sovereign identity infrastructure. Talk to us about the path that fits your programme.