The Catalogue
14 Modules That Cover Most of What KYC Is Made Of
The list below is what is generally available today. New modules — especially country-specific verification sources — show up regularly. Most are also exposed standalone via the India APIs and Global APIs directories.
Document OCR
Passport, DL, Voter ID, PAN, Aadhaar. In-house ML, handles glare, rotation, low-light captures. Deep dive →
Liveness Detection
Active (challenge-response) and passive (single-frame) variants. ISO 30107-3 PAD-aligned. Deep dive →
Face Match
1:1 document-to-selfie matching with in-house AI. Tuned for diverse demographics. Deep dive →
Video KYC
Live recording with liveness embed, QR-based desktop-to-mobile hand-off, V-CIP audit trail. Deep dive →
2-Way Video
Banker / agent + customer two-way session for high-value onboarding. Recording, transcript.
PAN Verification
Real-time PAN status check against NSDL / CBDT — name match, status, PAN-Aadhaar link.
Aadhaar XML / Masking
Offline eKYC via signed XML download. UIDAI-compliant masking for captured images.
DigiLocker
Fetch issued documents (Aadhaar, DL, marksheets, vehicle RC) via the official consent flow.
GST Verification
GSTIN lookup against GSTN — legal name, trade name, registration status, jurisdiction.
Bank Account Verification
Penny-drop and pennyless (name-API) variants — pick the reliability / cost trade-off per journey.
KRA Operations
Fetch, initiate, modify against CDSL / CVL / NSDL KRA — capital markets KYC registration.
SEBI Debarred Check
Blacklist screening for brokers, AMC partners, and capital markets onboarding journeys.
eSignature Verification
Validate signed PDFs — signer identity, content integrity, certificate chain, revocation status.
Document Integrity
Hologram detection, MRZ checksum, tamper evidence, NFC chip reading on supported devices.
Composition
Modules Chain into Journeys
A KYC journey is a directed sequence of module calls. Compose serial flows, branching flows, conditional flows — with policy logic between calls that responds to risk signals, regulatory tier, and journey context.
- Maker-checker overlay
Any module's output can route through human review — configurable per journey, per risk band, per amount threshold.
- Drop-off & resume
Customer leaves mid-journey, comes back tomorrow on a different device, picks up where they left off.
- Send-back without restart
Reviewer asks for a corrected document — customer fixes just that one item, journey state preserved.
