The standard loan onboarding journey for Indian digital lenders — Aadhaar identity, PAN validation, bank account ownership and CIBIL score, all triggered in one API call. Drop-off is cut by removing manual re-entry steps and async wait times.
Each step is a Veriflow module. All triggered in one API call — responses returned in parallel, not sequential.
Customer enters Aadhaar number and completes OTP. Name, DOB, gender and address returned. DPDP Act 2023 consent logged.
aadhaar_otpPAN validated against ITD. Active status confirmed, name match against Aadhaar name run automatically.
pan_verifyPenny drop to the customer's account. Holder name returned and matched against identity data.
bank_accountCredit bureau score fetched. Criminal court records and PEP watchlist scanned in parallel.
court_cibilLoan agreement presented for Aadhaar OTP-based eSign. Court-admissible audit trail generated.
esignThis journey is pre-configured to satisfy the following regulations. Your legal team gets a clean compliance checklist, not a research project.
RBI KYC Master Directions 2024 · DPDP Act 2023 consent capture · UIDAI AUA/KUA licensing · IT Act 2000 eSign · NPCI penny drop
DPDP consent capture with timestamp and purpose, audit log export, UIDAI OTP orchestration, encrypted data transit, and data residency in AWS ap-south-1 (Mumbai).
Pre-configured for Fintech & Digital Lending. Sandbox keys instantly, production in 24 hours.
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