Fabric Release Notes | Version 5.22

Summary

This release introduces smarter verification and scoring enhancements: configurable Name Match validation in DigiLocker, OmniScore with PAN profiling and fraud detection, enhanced Employer Verification via Hyperstream, expanded Credit Report enquiry purposes. These updates improve accuracy, flexibility, and fraud resilience across onboarding and risk workflows.

I. UISTREAM | Name Match Validation & PAN Upload Option

The DIGILOCKER_AADHAAR_PAN flow now includes a configurable Name Match Validation between Aadhaar and PAN using a textual match score (name_match_cutoff, default: 80).
If the score falls below the threshold, users are prompted to upload their PAN document (.pdf, .png, .jpg, .jpeg) for manual verification.
A new NAME_MATCH_SUMMARY block in the callback shares match details and results.

Action Required: Optional enhancement can be enabled by setting "enable_name_match": true.
Documentation: Refer to Product Documentation and API Reference.

II. OMNISCORE | PAN Score & Blacklisted Consumer Check

The logic now includes two new modules for improved accuracy and fraud detection:

• PAN Verification (Employment Score): Optional sub-score based on PAN validity, status, name match, and entity type.
• Payment Intelligence: Uses payment transaction data to identify blacklisted users, enhancing fraud detection and OmniScore accuracy.
• Supports customisable weight configuration across scoring modules, allowing flexible risk calibration.

Documentation: Refer to Product Documentation and API Reference.

III. HYPERSTREAM | Employer Verification with CIN Details

The HyperStream EMPLOYER_VERIFICATION flow now supports client-level configurations to enable CIN details.
Documentation: Refer to Product Documentation and API Reference.

IV. CREDIT REPORT | Addition of New Enquiry Purposes

The Credit Report API (/v2/financial_services/credit_bureau/credit_report/summary) now supports five new Enquiry Purpose Codes for expanded business use cases:

• Auto Overdraft
• Loan Against Card
• Auto Lease
• Business Loan (Director Search – Soft Enquiry, score unaffected)
• Dispute Resolution – CIR

Action Required: Existing enquiry codes remain unaffected.
Documentation: Product Documentation and API Reference.