Regulatory Context
Built for RBI V-CIP, SEBI Video KYC, and IRDAI Guidelines
Video-based customer identification is no longer optional — it is the default channel for new account opening across banking, capital markets, and insurance. IDBroker's video module is built to the spec, not around it.
RBI V-CIP
Video-based Customer Identification Process per RBI's master direction — covers liveness, agent prompts, geo-tagging, and timestamped recording.
SEBI Video KYC
For brokers, depositories, and AMCs onboarding investors — document capture, OTP, biometric / video verification per SEBI norms.
IRDAI Onboarding
Insurance proposer KYC, suitability discussions captured on video, nominee verification — aligned with IRDAI guidelines on digital onboarding.
Standard Video KYC
Customer-facing recorded session. The customer joins a video call, performs liveness, shows their documents to the camera, and the session is recorded with an embedded liveness result. Built for high-volume V-CIP — banks, NBFCs, and AMC investor onboarding.
- One-sided customer recording
- Live OCR + document capture
- Geo-tagged, timestamped, signed
2-Way Agent Video
Banker / agent + customer on a live two-way call, recorded end to end with optional auto-transcript. Used for high-ticket lending, premium banking, insurance suitability discussions, and any onboarding where conversation matters.
- Two-way live video
- Auto-transcript option
- Agent-side queue and routing
Built for Real Network Conditions
Sessions That Complete in 2G as Well as Fibre
QR-Based Hand-off
Customer starts on desktop, scans a QR code, video session continues on their phone — webcams are the wrong tool for ID capture.
Adaptive Bitrate
Network-aware video encoding. Sessions complete on 2G / 3G connections — not just polished demo scenarios.
Auto-Save & Resume
Lost the connection mid-session? State is preserved — pick up where you left off without restarting the V-CIP.
Send-back for Corrections
Reviewer rejects one captured artefact — customer fixes just that one, rest of the application stays intact.
Audit Trail
Timestamped recording, embedded liveness result, captured document images, agent commentary — one signed evidence bundle per session.
Use Cases
Banking V-CIP, insurance suitability, NBFC high-ticket lending, brokerage onboarding for new investors.
