Enterprise Verification Infrastructure · India's Fintech Layer

AI-Powered
Background Verification & Loan
Intelligence APIs

For Banks, NBFCs & Enterprises

SafematePlus delivers production-grade Background Verification and Loan Decisioning infrastructure — built on 15+ AI engines, aligned with RBI guidelines, and compliant with DPDP Act 2023. Plug into our APIs and go live in under 48 hours.

Book a Demo Explore API

RBI-Aligned

AES-256 Encrypted

DPDP Compliant

99.9% Uptime SLA

Live Platform

Verification Dashboard — SafematePlus

GET https://api.safemateplus.com/v1/bgv/status

99.9%

Platform Uptime

<2s

KYC Response

15+

AI Engines

🪪

PAN + Aadhaar KYC

Response: 1.2s

✓ Verified

💼

Employment Verification

Est: 24–36 hrs

⟳ Processing

⚖️

Court Record Check

Est: 3–5 days

✓ Clear

// SAMPLE API RESPONSE

{

"status": "verified",

"kyc_score": 98.4,

"risk_level": "low",

"response_time": "1.2s"

}

⚡ Core Services

One Platform. Every Verification.

From instant KYC to deep court record checks — every layer of verification delivered through a single, enterprise-grade API.

KYC Intelligence

PAN, Aadhaar, CKYC registry, video KYC, and liveness detection — under 2 seconds per API call.

Credit & Financial Intelligence

Bureau pull, bank statement analysis, GST intelligence, income evaluation, and automated credit scoring.

Mobile Verification

Identity, employment, education, criminal, and court checks — structured turnaround by check type.

Risk & Fraud Intelligence

Synthetic identity detection, fraud ring analysis, device intelligence, and real-time risk scoring.

KYB Intelligence Platform

MCA, GST, CERSAI, UBO tracing, and corporate registry lookups for enterprise onboarding.

Document Intelligence

OCR, forgery detection, tamper analysis, and AI-powered document extraction across 60+ document types.

⚙️ How It Works

End-to-End Verification Workflows

Understand exactly what happens — and how long it takes — for each verification type.

Candidate Data Intake

API call or portal upload — name, DOB, IDs, consent

Instant

Identity Verification

PAN, Aadhaar, DL, passport cross-checks

<2 min

Database Checks

Criminal DB, court records, global watchlists

2–4 hrs

Field Verification

Employment & education reference calls

24–48 hrs

Structured Report

PDF + JSON report, risk flag summary, webhook

Automated

🪪

Identity & KYC Checks

<60 Minutes

PAN, Aadhaar, Voter ID, Passport, DL

Liveness detection & face match

CKYC registry check

💼

Employment Verification

24–48 Hours

Current & past employer confirmation

Designation and tenure validation

Exit reason & rehire eligibility

⚖️

Court & Criminal Checks

2 Hours

District, High Court, Supreme Court

Criminal database & FIR lookup

Global watchlist & PEP screening

Applicant Consent

Digital consent capture, data privacy compliance

Instant

KYC & Identity

PAN, Aadhaar, CKYC — SafeID AI + KYC Vault AI

<2 min

Credit Bureau Pull

CIBIL, Experian, Equifax — CreditLens AI

<30 sec

Bank Statement AI

Income, obligations, cash flow — BankSense AI

<3 min

Loan Decision

Risk score, eligibility, underwriting output

<10 min

📊

Credit Intelligence (CreditLens AI)

<30 Seconds

Multi-bureau credit pull

Risk indicator scoring & flag analysis

Delinquency & default pattern detection

🏦

Bank Statement Analysis (BankSense AI)

<3 Minutes

12-month income & salary evaluation

EMI obligation extraction

Cash flow health & savings patterns

⚡

Automated Loan Decisioning

<10 Minutes

Composite risk & eligibility score

Approve / refer / decline output

Audit trail & explainability report

📋 Why SafematePlus

Built for Enterprise Demands

Not promises. Proof. Every claim backed by architecture decisions, SLAs, and compliance documentation.

⚡

Fastest KYC in Class

<2s

PAN + Aadhaar verification returns in under 2 seconds. Measured across 10M+ production API calls, not benchmarks.

🏛️

CKYC & CERSAI Access

Direct

One of few providers with direct CKYC registry and CERSAI integration — reducing onboarding friction for banks and NBFCs.

🔗

15+ AI Engines, One API

Unified

SafeID, CreditLens, BankSense, GST Insight, RiskShield — all accessible through a single REST API endpoint.

🛡️

DPDP & RBI Compliant

Certified

Built to DPDP Act 2023 standards. RBI KYC Master Directions aligned. Full audit logs for regulatory inspection.

⚙️ API Reference

Developer-First
REST API Infrastructure

Production-ready APIs with comprehensive documentation, sandbox environment, and dedicated onboarding support.

🌐

Base URL

https://api.safemateplus.com/v1/

🔑

Authentication

Bearer Token (JWT) — API Key provisioned on signup

📡

Webhook Support

POST callbacks on verification completion

⚡

Async Support

Polling endpoint + webhook for long-running checks

99.9%

Uptime SLA

<2s

KYC Latency

24/7

Support SLA

Get API Access Try Sandbox

REQUEST — KYC Verification
POST /v1/kyc/verify
Authorization: Bearer
                                    {API_KEY}
Content-Type: application/json
 
{
 "pan": "ABCDE1234F",
 "aadhaar_last4": "6789",
 "full_name": "Rahul
                                    Sharma",
 "dob": "1988-04-15",
 "consent": "Y",
 "ckyc_check": true
}

● 200 OK — Verification Complete

response_time: 1.24s

{
 "request_id": "smp_kyc_2024abc123",
 "status": "verified",
 "kyc_score": 98.4,
 "risk_level": "low",
 "pan_status": "active",
 "ckyc_id": "50066219876543",
 "name_match": "high_confidence",
 "fraud_flags": [],
 "response_time_ms": 1240
}

// ERROR CODES

400 — Invalid request

401 — Auth failed

422 — Consent missing

429 — Rate limited

🔒 Security Architecture

Enterprise-Grade
Data Security

Every byte of verification data is encrypted in transit and at rest. We were built for regulated environments.

RBI KYC Master Directions

DPDP Act 2023

AES-256 Encryption

ISO 27001 Aligned

TLS 1.3 in Transit

Full Audit Logs

🔐

AES-256 Encryption

All PII and verification data encrypted at rest with AES-256-GCM. Separate key management per client tenant.

🌐

TLS 1.3 in Transit

All API communications secured with TLS 1.3. Certificate pinning available for mobile integrations.

📋

RBI & DPDP Compliance

Built to RBI KYC Master Directions and DPDP Act 2023. Consent framework baked into every verification API call.

🗓️

Immutable Audit Logs

Every API call, consent record, and verification outcome logged immutably. Exportable for RBI regulatory inspection.

🏗️

Data Residency — India

All data processed and stored within Indian data centres. No cross-border data transfer. Compliant with DPDP locality requirements.

👤

Role-Based Access Control

Granular RBAC, MFA enforcement, and IP whitelisting. Zero-trust architecture for all internal service communication.

📁 Case Studies

Results That Speak for Themselves

Real outcomes delivered for real enterprises. Client names anonymised per NDA — details shared under NDA on request.

🏦 Mid-Size NBFC · Lending

Leading NBFC (AUM: ₹8,200 Cr)

Reduced loan fraud by 71% while cutting underwriting time from 3 days to 4 hours

Challenge: Legacy manual KYC process taking 3+ days per loan application, with 2.8% fraud rate eating into portfolio quality.

Underwriting time: 3 days → 4 hours — Automated KYC + credit bureau pull via SafematePlus APIs

Fraud rate reduced from 2.8% → 0.8% — RiskShield AI synthetic identity detection

40% increase in approval throughput — Without relaxing risk criteria

🏗️ Large Enterprise · HR / Workforce

MNC Infrastructure Group (30,000+ employees)

BGV cycle time cut from 18 days to 3 days for a workforce of 8,000+ annual hires

Challenge: Manual background verification taking 15–18 days per candidate, causing offer-to-join dropoff of 22% in competitive engineering roles.

BGV turnaround: 18 days → 3 days — AI-powered identity + employment checks running in parallel

Offer dropoff reduced from 22% → 6% — Faster process, better candidate experience

Discrepancy flag rate: 8.4% — Education and employment frauds surfaced before joining

🏦 Private Sector Bank · Onboarding

Regional Private Bank (Branch Network: 400+)

Digital onboarding go-live in 6 weeks — CKYC + Aadhaar + bank statement in one API

Challenge: Legacy 14-step KYC onboarding with physical document collection averaging ₹420 per customer. Needed digital-first, RBI-compliant onboarding.

Onboarding cost: ₹420 → ₹67 per customer — Full digital KYC via CKYC + Aadhaar API

KYC completion time: 4 days → 8 minutes — Self-serve digital KYC with liveness check

API integration live in 6 weeks — Dedicated onboarding team, sandbox to production

💬 What Our Clients Say

Trusted by Decision-Makers

★★★★★

"SafematePlus's API-first approach and direct CKYC integration were decision-making factors for us. The compliance documentation they provided made our infosec team's sign-off straightforward. In 6 months, KYC rejection rates dropped by 62%."

V. Krishnamurthy

Chief Credit Officer · Mid-Tier NBFC, South India

★★★★★

"We evaluated three BGV vendors before choosing SafematePlus. What differentiated them was the structured turnaround SLA by check type — not a single '60 min' claim that doesn't hold for court checks. That honesty built trust immediately."

Priya Mehta

VP – People Operations · Fortune 500 Enterprise

★★★★★

"The BankSense AI module changed our credit underwriting completely. We went from 3-day manual bank statement review to automated income attribution in under 3 minutes. Our operations team alone saved 200+ hours a month."

Arvind Sharma

Head of Lending Products · Digital-First Fintech Lender

💰 Transparent Pricing

Starting From Pay-Per-API-Call

No lock-in. No hidden minimums. Enterprise volume pricing with SLA guarantees. Final pricing scoped to your specific verification mix and volume.

Startup

₹4 / KYC call

For fintechs and startups getting to product-market fit.

Up to 10,000 API calls/month

KYC + PAN + Aadhaar

Sandbox environment

Email support

Get Started

AI-PoweredBackground Verification & LoanIntelligence APIs

AI-Powered
Background Verification & Loan
Intelligence APIs