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KYC Intelligence

AI-Powered KYC · Aadhaar · PAN · CKYC · Face Match · Liveness

Verify Customers Instantly
with AI-Powered KYC
Intelligence

Streamline customer onboarding, ensure regulatory compliance, and reduce fraud risk with real-time identity verification APIs — purpose-built for Banks, NBFCs, and Fintechs.

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🏛️ RBI Compliant

📋 PMLA / DPDP Aligned

🔌 API-First

🛡️ Fraud Detection

⚡ Real-Time

KYC Today

32,840 ✓

↑ 14% vs last week

Avg KYC Time

<60 sec

vs 2+ days manual

KYC Intelligence — SafematePlus

Live

Aadhaar Status

✓ Verified

UIDAI · 0.6s

PAN Status

✓ Active

NSDL · 0.4s

CKYC Status

✓ Found

CERSAI · 0.8s

Risk Score

Low — 12

AI Composite

Face Match + Liveness Detection

Passed

👤

🪪

97.4%

Match Confidence

✓

Identity Verification — All Signals Clear

Aadhaar · PAN · CKYC match confirmed

Approved

🔍

Fraud Signal Analysis — No Alerts

Device · IP · Behaviour · Duplicate — clear

Clear

📋 KYC Decision

✓ Customer Verified

Response: 0.84s

🛡️ KYC Modules

AI-Powered Identity Infrastructure Modules

Each module is purpose-trained for India's identity infrastructure — Aadhaar, PAN, CKYC, and regulatory data — not generic international identity tools repurposed for India.

🪪

Aadhaar Verification

Real-time Aadhaar verification via UIDAI — name, DOB, address, and status confirmation. OTP-based and offline XML eKYC supported.

⚡ <1 second

📋

PAN Verification

NSDL PAN database lookup — name, status, PAN type, and Aadhaar-PAN linkage status for income tax and KYC compliance.

⚡ <500ms

🏛️

CKYC Integration

Fetch and verify CKYC records from CERSAI — enabling instant KYC for customers already in the central registry without re-verification.

⚡ <1 second

📹

Video KYC (V-KYC)

RBI-compliant Video KYC workflow — live agent-assisted or AI-automated identity verification for fully digital customer onboarding.

⏱ 5–10 minutes

👤

Face Match & Liveness

AI-powered face match against submitted ID document — with liveness detection to prevent spoofing, printouts, and screen-replay attacks.

⚡ <2 seconds

📄

Document OCR & Extraction

High-accuracy OCR for Aadhaar, PAN, Passport, DL, and Voter ID — extracting structured data and validating document authenticity.

⚡ <2 seconds

🏦

Bank Account Verification

Validates bank account ownership — penny drop or name-match verification confirming account holder identity before disbursement.

⚡ <30 seconds

📱

Mobile & Email Validation

OTP-based mobile verification and email validation — with mobile number-to-Aadhaar linkage check and telecom data analysis.

⚡ <30 seconds

🛡️

Fraud Signal Detection

AI-powered fraud signals at KYC stage — duplicate profile detection, device fingerprinting, IP risk, VPN usage, and behavioural anomalies.

⚡ <1 second

📋

Consent & Audit Logs

DPDP Act compliant digital consent capture — timestamped, immutable consent records and full KYC audit trail for regulatory inspection.

📋 Immutable

⚙️ How It Works

From Customer Input to Onboarding Decision in Under 60 Seconds

A fully automated 5-step KYC pipeline — no manual review for clean profiles, exceptions queued for analyst review.

Step 1 · Intake

Customer Submits KYC Details

Customer submits identity details — Aadhaar number, PAN, selfie, and consent — via your app, web flow, or SafematePlus's branded KYC portal. DPDP Act consent captured digitally at intake.

Mobile App

Web Flow

Branded Portal

API Embed

Step 2 · Identity Fetch

APIs Fetch Real-Time Identity Data

Simultaneously queries UIDAI for Aadhaar, NSDL for PAN, CERSAI for CKYC records, and telecom databases — all in parallel, not sequential, with no additional latency.

UIDAI

NSDL

CERSAI

Mobile Intel

Step 3 · AI Validation

AI Validates Identity + Detects Fraud

Face match AI compares selfie against Aadhaar photo, liveness detection prevents spoofing, document OCR validates submitted ID documents, and fraud signal engine runs parallel device/IP/behaviour checks.

Face Match

Liveness Check

Doc OCR

Fraud Signals

Step 4 · Risk Scoring

KYC Risk Score + Compliance Checks

AI composite KYC risk score (0–100) generated from all signals. RBI compliance checks applied — AML screening, watchlist lookup, and politically exposed person check where required.

Risk Score 0–100

AML Check

Watchlist

Step 5 · Decision

Instant Onboarding Decision

Clean profiles auto-approved with decision webhook — customer onboarded instantly. Borderline cases queued for analyst review. High-risk profiles rejected with evidence. Full audit trail immutably logged.

Auto-Approve

Review Queue

Audit Trail

Webhook

📋 KYC Verification Result — Sample

Aadhaar (UIDAI)

✓ Verified · Linked

PAN (NSDL)

✓ Active · Name Match

CKYC (CERSAI)

✓ Record Found

Face Match

✓ 97.4% Confidence

Liveness

✓ Genuine · No Spoof

Fraud Signals

✓ None Detected

KYC Risk Score

12 / 100 — Low Risk

AML / Watchlist

✓ Clear

✓ KYC Approved — Customer Onboarded

Total processing time · 42 seconds · Fully automated

⚙️ API Infrastructure

KYC Intelligence
as a REST API

One API call returns Aadhaar status, PAN validation, CKYC record, face match result, fraud signals, and KYC risk score — with full documentation and sandbox in 48 hours.

🌐

Base URL

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

🔑

Authentication

Bearer Token (JWT) — per-client key

📡

Webhooks

POST callbacks on KYC completion / flag

📦

Bulk KYC

Batch verify 10,000+ customers async

99.9%

Uptime SLA

<60s

Full KYC

24/7

P0 Support

Get Sandbox Explore APIs

REQUEST — KYC Verification
POST /v1/kyc/verify
Authorization: Bearer
                                    {API_KEY}
 
{
 "aadhaar": "XXXX XXXX
                                    XXXX",
 "pan": "ABCDE1234F",
 "selfie_base64": "iVBORw0KGgo...",
 "modules": ["aadhaar", "pan", "ckyc", "face_match"],
 "consent": "Y"
                            
}

● 200 OK — KYC Verified

response_time: 42s

{

"request_id": "smp_kyc_2024xyz123",

"decision": "approved",

"kyc_risk_score": 12,

"aadhaar_status": "verified",

"pan_status": "active",

"ckyc_record_found": true,

"face_match_score": 97.4,

"liveness_passed": true,

"fraud_signals": []

}

// KYC MODULES AVAILABLE

aadhaar · pan · ckyc · face_match · liveness doc_ocr · bank_verify · mobile · fraud · aml

🔒 Security & Compliance

KYC Infrastructure Built for Regulated Institutions

Designed from day one for banks, NBFCs, and regulated fintechs — every security and compliance decision made with RBI Master Directions and DPDP Act as the baseline.

🔐

AES-256 Encryption

All KYC data, identity records, and face images encrypted at rest with AES-256-GCM. Separate encryption keys per client. Zero shared tenant data architecture.

In Production

📋

Consent Architecture

DPDP Act 2023 compliant consent — purpose-specific, timestamped digital consent captured at every KYC check. Consent withdrawal and data deletion fully supported.

DPDP Compliant

🗓️

Immutable Audit Logs

Every identity check, API call, face match, and KYC decision logged immutably with actor, timestamp, and data source. Exportable for RBI regulatory inspection.

RBI-Ready

👤

Role-Based Access Control

Granular RBAC — KYC analysts, risk officers, and administrators with data access scoped to product and business unit. MFA enforced. IP whitelisting available.

Zero-Trust

⚖️

RBI / AML Compliance

KYC workflows aligned to RBI Master Directions on KYC 2016 (as amended), PMLA provisions, and Financial Intelligence Unit reporting requirements.

PMLA Aligned

🇮🇳

India Data Residency

All identity data, Aadhaar OTP responses, and face images stored within Indian data centres. Zero cross-border transfer. DPDP Act localisation compliant.

India-Hosted

Verify Customers Instantlywith AI-Powered KYCIntelligence

Verify Customers Instantly
with AI-Powered KYC
Intelligence