Overview & Guide

πŸš€ Engage warp drive on your customer onboarding and boldly go where no fintech has gone before

Decentro helps businesses simplify their onboarding journey with simple-to-consume APIs.

Decentro works with multiple partners in the backend, thus giving a higher uptime and success rate than industry benchmarks.

Decentro's KYC & Onboarding module broadly powers the following capabilities:

We get it! The KYC & Onboarding module is huge. Its sheer size might cause confusion. So we made a map of all the offerings in Decentro's KYC & Onboarding stack. This map will help you quickly navigate all our services.

The map is also our single source of truth, with all product documentation, API references, postman collections, and dashboard analytics being derived using the same hierarchy.


Workflows is a customized and extensible workflow engine. It leverages Decentro's suite of products, including Farsight, Identities, and Bytes, to provide financial institutions with a powerful tool for optimizing their KYC and onboarding processes.

The Workflows module within your platform empowers you to streamline complex, multi-step data acquisition and document retrieval processes through two powerful functionalities: Hyperstreams and UIStreams.

πŸ“² UIStreams

UIStreams leverage the power of Hyperstreams to dynamically generate shape-shifting user interfaces.

These UIs guide users through tailored workflows, prompting them for necessary information while automatically fetching relevant documents from diverse sources like DigiLocker and other government repositories. Users can then seamlessly download these documents within the UI itself.

Read more about Decentro's UIStreams capability here.

πŸ’» Hyperstreams

Hyperstreams are sequences of interconnected APIs meticulously designed to fetch data from diverse sources, encompassing internal databases, external APIs, and government repositories like DigiLocker. This sequential execution eliminates the need for manual data gathering and stitching, automating complex workflows and enhancing efficiency.

Read more about Decentro's Hyperstreams capability here.

🧠 Farsight

Farsight, a cutting-edge module within our platform, offers unparalleled insights into documents, faces, and data. Leveraging Decentro's suite of APIs, including Document Forensics, Face Forensics, and Data Forensics, Farsight equips financial institutions with powerful tools to enhance security, compliance, and decision-making processes.

The Farsight module offers three key functionalities:

πŸ” Document Forensics

The Document Forensics group offers a comprehensive suite of tools designed to streamline document verification processes and ensure the integrity of critical documents. Leveraging Decentro's advanced technology stack, these APIs provide financial institutions and other organizations with robust solutions for optimizing their document management and fraud prevention efforts.

Explore the Key Functionalities of Document Forensics APIs:

πŸ’Ό Document Classification

Efficiently categorize and classify documents with precision using the Document Classification API. This powerful tool automatically identifies document types, such as IDs, passports, contracts, and invoices, enabling organizations to streamline document processing workflows and improve efficiency.

Read more about Decentro's Document Classification capability here.

πŸ” Document Extraction

Unlock the data within documents quickly and accurately with the Document OCR API. By extracting text and other essential information from scanned documents, this API facilitates automated data entry and analysis, reducing manual effort and improving data accuracy.

Read more about Decentro's Document Extraction capability here.

πŸ”’ Aadhaar Masking

Protect sensitive information and ensure compliance with privacy regulations using the Aadhaar Masking API. This API intelligently masks Aadhaar numbers within documents, preserving document integrity while safeguarding confidential data from unauthorized access.

Read more about Decentro's Aadhaar Masking capability here.

πŸ“ˆ Document Quality

Maintain high standards of document integrity and authenticity with the Document Quality API. This API assesses the quality and authenticity of scanned documents, detecting imperfections, distortions, and alterations that may indicate tampering or forgery, thereby enhancing fraud prevention measures.

Read more about Decentro's Document Quality capability here.

πŸ‘₯ Face Forensics

The Face Forensics group presents a suite of cutting-edge tools designed to elevate facial recognition capabilities and enhance identity verification processes. Powered by Decentro's advanced technology stack, these APIs equip financial institutions and other organizations with robust solutions for optimizing their identity authentication and fraud prevention efforts.

Explore the Key Functionalities of Face Forensics APIs:

πŸ‘₯ Face Match

Achieve unparalleled accuracy in identity verification with the Face Match API. This powerful tool compares facial features against reference images to verify the identity of individuals. Whether it's customer onboarding or transaction authentication, the Face Match API adds an extra layer of security, mitigating risks associated with identity fraud and impersonation.

Read more about Decentro's Face Match capability here.

πŸ”„ Passive Liveness

Enhance fraud prevention measures and ensure the authenticity of identity verification processes with the Passive Liveness API. This API detects subtle facial movements and micro-expressions to confirm the presence of a live person during the verification process. By incorporating passive liveness detection, organizations can safeguard against spoofing attacks and enhance the integrity of their identity verification procedures.

Read more about Decentro's Passive Liveness capability here.

πŸ”’ Data Forensics

The Data Forensics group offers a suite of advanced tools designed to enhance data integrity and accuracy in identity verification processes. Powered by Decentro's advanced technology stack, these APIs provide financial institutions and other organizations with robust solutions for optimizing their data verification and fraud prevention efforts.

Explore the Key Functionalities of Data Forensics APIs:

πŸ” Regular Text Matching

Ensure data accuracy and consistency with the Regular Text Matching API. This powerful tool compares text strings against predefined patterns or reference data sets to identify similarities and discrepancies. Whether it's matching customer information against existing records or detecting anomalies in textual data, the Regular Text Matching API enhances data verification processes and mitigates the risk of errors.

Read more about Decentro's Regular Text Matching capability here.

πŸ—£οΈ Phonetic Name Matching

Achieve accurate name matching across diverse data sources with the Phonetic Name Matching API. This innovative tool utilizes phonetic algorithms to match names based on their pronunciation, overcoming variations in spelling or transliteration. Whether it's verifying customer identities or reconciling data from different sources, the Phonetic Name Matching API ensures consistency and reliability in identity verification processes.

Read more about Decentro's Phonetic Name Matching capability here.

🏠 Geolocation Matching

Streamline address verification processes and enhance data integrity with the Address Matching API. This API compares address data against standardized formats or reference databases to identify discrepancies and ensure accuracy. Whether it's verifying customer addresses for account opening or conducting KYC checks, the Address Matching API enhances data quality and reliability.

Read more about Decentro's Address Matching capability here.

πŸ”Ž Identities

Identities streamlines identity verification and information retrieval by connecting to crucial repositories such as UIDAI, CKYC, and DigiLocker. This ensures a reliable and comprehensive source of identity data.

πŸ‘©πŸ»β€πŸ’Ό Aadhaar Services

πŸ”πŸ”’Unlocking Aadhaar's Potential: Seamless XML retrieval, CAPTCHA-breaking efficiency, and OTP-free number verification for a frictionless user experience.

The Aadhaar Services sub-group in Decentro's Identities group is dedicated to providing comprehensive solutions for Aadhaar-related processes, focusing on secure and efficient interactions with the Aadhaar ecosystem.

This sub-group includes three key solutions designed to streamline Aadhaar services.

πŸ“‘ Aadhaar XML

The Aadhaar XML API simplifies the retrieval of Aadhaar information in both XML and format, offering a seamless and secure method for users and businesses to access and utilize Aadhaar data for various purposes, including identity verification, compliance, and personalized services.

Read more about Decentro's Aadhaar XML capability here.

πŸ—’οΈ Upgraded Aadhaar XML

Going beyond standard functionality, the Upgraded Aadhaar XML with Captcha Breaking API enhances user experience by incorporating advanced mechanisms for breaking CAPTCHAs during the retrieval process. This innovative feature ensures a smooth and efficient workflow, optimizing the accessibility of Aadhaar XML data while addressing CAPTCHA challenges.

Read more about Decentro's Upgraded Aadhaar XML capability here.

πŸ“² Verify Aadhaar without OTP

The Verify Aadhaar without OTP API introduces a secure method for Aadhaar number verification without the need for a one-time password (OTP). This feature enhances user convenience while maintaining robust security standards, making it an ideal solution for scenarios where OTP-based verification may pose challenges or inconveniences.

Read more about Decentro's Aadhaar OTP-less verification capability here.

Collectively, the Aadhaar Services sub-group APIs provide a holistic suite of tools for seamless Aadhaar data retrieval, enhanced accessibility through CAPTCHA breaking, and secure Aadhaar number verification without reliance on OTPs.

These capabilities contribute to a more user-friendly and efficient Aadhaar service integration for businesses and applications.

πŸ•΅οΈ Verification Services

πŸ”βœ¨Elevate your identity verification game across consumers, employees, and businesses – forging trust and compliance seamlessly.

The Verification Services Group offers a versatile suite of APIs tailored to meet the diverse needs of identity verification across consumer, employment, and legal entity domains.

These APIs empower businesses with comprehensive solutions, ensuring the authenticity and reliability of crucial identity information.

πŸ§‘πŸ» Customer Verification

The Consumer ID Verification API within this group provides a powerful tool for businesses to authenticate consumer identities swiftly and securely.

Leveraging this API allows seamless validation of personal details, enabling businesses to establish a trustworthy relationship with their customers while meeting compliance requirements.

Read more about Decentro's Customer Verification capability here.

πŸ’Ό Employment Verification

Addressing the complexities of employment verification, the API in this category harnesses data from the Employees' Provident Fund Organization (EPFO) as well as several other alternative sources such as MCA and GSTIN to verify the email and other details of an employee.

By integrating this solution, businesses gain access to reliable employment information, facilitating quick and accurate verification processes, and ensuring compliance with employment-related regulations.

Read more about Decentro's Employment Verification capability here.

🏦 Business Verification

This API delivers a robust solution for legal entity and business identity verification.

Connecting to essential repositories enables businesses to validate the legitimacy of legal entities swiftly. This not only streamlines onboarding processes but also ensures adherence to regulatory frameworks, enhancing the overall integrity of business operations.

Read more about Decentro's Business Verification capability here.

πŸ”„ ID Converters

ID Converters play a pivotal role in facilitating interoperability between various identification formats.

The PAN to GSTIN API, as an example, allows businesses to seamlessly convert and validate PAN (Permanent Account Number) information into GSTIN (Goods and Services Tax Identification Number) format.

This versatility simplifies data integration and enhances efficiency in cross-format identity handling.

Read more about Decentro's ID Converter capability here.

The Verification Services Group stands as a comprehensive and adaptable toolkit, offering businesses the capability to strengthen their identity verification processes across different facets.

Whether it's ensuring the authenticity of consumer identities, validating employment details, or confirming the legitimacy of legal entities, this group provides a unified approach to identity verification, fostering trust, and compliance.

πŸ—„οΈ DigiLocker Services

βœ… Ditch the Paper Chase with DigiLocker: Your Secure Digital Document Vault

Tired of rummaging through piles of paper for that elusive birth certificate or degree? Say goodbye to the physical document blues with DigiLocker, your one-stop shop for storing, sharing, and verifying official documents electronically!


The DigiLocker Services module empowers you to integrate with the DigiLocker platform, enabling users to seamlessly access and manage their official documents stored within the government-backed digital repository.

This module encompasses both the DigiLocker API suite and the Single Sign-On (SSO) DigiLocker functionality, referred to as SSO DigiLocker functionality, for streamlined user authentication.

What is DigiLocker?

Imagine a secure cloud fortress where all your important documents - from school certificates to PAN cards - reside safely, accessible anytime, anywhere.

That's DigiLocker, a revolutionary initiative under the Digital India Program, empowering you to ditch the paper chase and embrace a streamlined, digital document ecosystem.

Benefits that make you say "Cha-Ching!"

  1. Instant Access, Zero Fuss: Ditch the filing cabinets and misplaced folders! Access your documents with a tap on your phone or a click on your computer, no matter where you are. ️
  2. Legally Legit: Forget the photocopy blues! ‍♀️ Documents issued through DigiLocker are digitally signed and legally equivalent to their physical counterparts. Get instant verification and approvals without the hassle.
  3. Super Simple, Super Convenient: Using DigiLocker is as easy as pie! Upload, store, share, and download documents with a user-friendly interface that even your grandma can master. Tech-savvy or not, you're covered!
  4. Direct from the Source: Trust the experts! Documents are issued directly by authorized agencies like the Income Tax Department, CBSE, or your local Registrar's Office, ensuring authenticity and reliability. ️
    Dive into the DigiFlow with Decentro:

Integrating DigiLocker with Decentro unlocks a seamless document retrieval experience.

Product Flow

  1. Start the Engine: Initiate a session - think of it as your ticket to the DigiLocker express lane! ️ This sets the stage for smooth sailing with the next APIs.
  2. Document Parade: Behold your digital treasure trove! Get a list of all your issued documents stored securely in DigiLocker. No more memory games or frantic searches!
  3. Aadhaar at Your Fingertips: Need your Aadhaar XML in a jiffy? This API lets you download it directly from DigiLocker, saving you precious time and effort.
  4. Found the document you need? Use this API to download it directly to your platform with just a click, thanks to the handy document URI.

Ready to experience the DigiLocker revolution? Dive into the comprehensive documentation and start building your paperless paradise.

πŸ“‘ DigiLocker API Suite

The API suite facilitates various functionalities related to user interactions with DigiLocker, such as retrieving user-consented documents stored in their DigiLocker accounts based on specific criteria (e.g., document type, issuer), enabling users to share their DigiLocker documents securely with third-party entities with their explicit consent and integrate issuance workflows for official documents directly within your application, allowing users to store them directly in their DigiLocker.

Read more about Decentro's DigiLocker API capability here

πŸ“‘ SSO DigiLocker API Suite

The DigiLocker SSO feature streamlines user authentication by allowing them to log in to your application using their existing DigiLocker credentials in a much more seamless manner, using features such as pinless_signin, pinless_signup and usernameless_signup.

Read more about Decentro's SSO DigiLocker API capability here

Benefits of using the DigiLocker Services module

  1. Simplified document management: Users can access and manage their official documents directly within your application, eliminating the need for physical copies or manual downloads.
  2. Enhanced user experience: Streamlined authentication with DigiLocker SSO and convenient document access within your platform lead to a superior user experience.
  3. Increased security: Leveraging DigiLocker's secure infrastructure ensures robust data protection for user documents.
  4. Improved efficiency: Automating document retrieval and verification processes eliminates manual tasks and streamlines workflows.

πŸ“‹ CKYC Services

πŸ”πŸ”’ Unlocking CKYC's Efficiency: Streamlined record retrieval, automated compliance checks, and hassle-free data uploads for a seamless KYC process.

CKYC Services is a comprehensive suite of APIs designed to streamline KYC processes for individuals and legal entities. Powered by Decentro's advanced technology stack, CKYC Services offers a seamless and efficient solution for financial institutions to verify customer identities and ensure compliance with regulatory requirements.

Unlock the full potential of CKYC Services through four key functionalities:

πŸ” CKYC Search

CKYC Search API enables financial institutions to swiftly search through Central KYC Registry (CKYCR) records, accessing essential customer information with ease. By leveraging this feature, institutions can expedite customer onboarding processes, minimize duplication efforts, and enhance operational efficiency.

Discover more about Decentro's CKYC Search capability here.

πŸ“₯ CKYC Download

With CKYC Download API, institutions can effortlessly retrieve CKYC records for individual customers and legal entities. This streamlined process allows for quick access to verified customer data, facilitating risk assessment, and compliance checks. CKYC Download empowers institutions to make informed decisions while ensuring regulatory compliance.

Discover more about Decentro's CKYC Download capability here.

πŸ“€ CKYC Upload for Individuals

Simplify the KYC onboarding process for individual customers with CKYC Upload API. This feature enables institutions to securely upload customer KYC data to the CKYCR, ensuring accurate and up-to-date records. By automating the data submission process, CKYC Upload for Individuals enhances efficiency and reduces manual errors, enabling institutions to focus on delivering exceptional customer experiences.

Discover more about Decentro's CKYC Upload capability for Individuals here.

🏒 CKYC Upload for Legal Entities

Streamline KYC compliance for legal entities with CKYC Upload API. This feature facilitates the seamless submission of KYC data of corporate entities to the CKYCR. By automating the upload process, institutions can ensure compliance with regulatory requirements while expediting the onboarding of corporate customers.

CKYC Services revolutionizes KYC processes, offering a robust solution for financial institutions to efficiently manage customer data and compliance obligations. Embrace CKYC Services to optimize your KYC operations and drive growth in today's dynamic financial landscape.

Discover more about Decentro's CKYC Upload capability for Legal Entities here.

⭐️ Use Cases

Unlock the Full Potential of Decentro's KYC & Onboarding Stack Across Diverse Sectors:

🏦 Banks

Banks stand as the cornerstone of financial stability, and with Decentro's KYC & Onboarding Stack, they can fortify their operations and ensure compliance with ease. By seamlessly integrating our solution, banks can revolutionize their customer onboarding processes. From retail banking to corporate banking, our solution offers tailored workflows that streamline the collection and verification of customer data. This allows banks to direct their resources toward exploring new financial opportunities, all while maintaining a robust foundation of compliance.

πŸ’Έ Lenders

Non-Banking Financial Companies (NBFCs), microfinance institutions, and other lenders can expedite their loan application processing with Decentro's KYC & Onboarding Stack. Our solution eliminates the bottleneck of manual verifications, paving the way for faster disbursements and an unparalleled customer experience. Whether it's personal loans, mortgages, or business loans, our solution automates compliance checks and streamlines documentation processes, enabling lenders to serve their customers promptly and efficiently.

πŸ‘¨β€πŸ’» FinTechs

In the fast-paced world of fintech, agility is paramount, and Decentro's KYC & Onboarding Stack empowers emerging fintech companies to thrive. By leveraging our solution, fintech startups can onboard customers swiftly and seamlessly, without being encumbered by cumbersome KYC procedures. From peer-to-peer lending platforms to robo-advisors, our tailored solutions enable fintechs to compete effectively with established industry players. Moreover, with built-in scalability, our solution grows alongside fintech companies, supporting their expansion into new markets and product offerings.

πŸ’  NBFCs

Existing Non-Banking Financial Companies (NBFCs) can enhance their operational resilience and efficiency with Decentro's KYC & Onboarding Stack. By integrating our solution into their existing processes, NBFCs can streamline customer onboarding, loan origination, and compliance management. Our comprehensive suite of tools ensures seamless integration with existing systems, enabling NBFCs to navigate regulatory complexities with confidence. Furthermore, with real-time monitoring and reporting capabilities, our solution empowers NBFCs to proactively identify and mitigate risks, safeguarding their operations and fostering sustainable growth.

🏒 Insurance Companies

Insurance companies can leverage Decentro's KYC & Onboarding Stack to streamline policy issuance and claims processing. Our solution automates the collection and verification of customer data, reducing turnaround times and improving the overall customer experience. Whether it's life insurance, health insurance, or property insurance, our solution ensures compliance with regulatory requirements while optimizing operational efficiency.

πŸ›οΈ E-commerce Platforms

E-commerce platforms can enhance customer trust and safety with Decentro's KYC & Onboarding Stack. By implementing robust identity verification processes during the onboarding of sellers and buyers, e-commerce platforms can mitigate the risk of fraud and ensure a secure marketplace environment. Our solution offers seamless integration with existing e-commerce platforms, enabling quick and hassle-free onboarding while maintaining compliance with data protection regulations.

πŸš— Automotive Dealerships

Automotive dealerships can streamline the financing process and improve customer satisfaction with Decentro's KYC & Onboarding Stack. By automating credit checks and identity verification, dealerships can expedite loan approvals and vehicle purchases. Our solution offers customizable workflows that cater to the specific requirements of automotive financing, ensuring a seamless experience for both customers and dealerships.

🏫 Educational Institutions

Educational institutions can enhance student enrollment processes with Decentro's KYC & Onboarding Stack. By automating the collection and verification of student data, institutions can streamline admissions, financial aid applications, and student housing assignments. Our solution offers secure document storage and compliance with data privacy regulations, ensuring the confidentiality and integrity of student records.

πŸ›οΈ Government Agencies

Government agencies can improve citizen services and ensure regulatory compliance with Decentro's KYC & Onboarding Stack. By digitizing identity verification processes and automating document submission, agencies can streamline the delivery of public services such as welfare benefits, tax filing, and license issuance. Our solution offers secure integration with government databases and robust authentication mechanisms, safeguarding sensitive citizen information.

Decentro's KYC & Onboarding Stack is more than just a solution – it's a catalyst for transformation across industries. Experience the power of seamless onboarding, enhanced compliance, and operational efficiency with Decentro.


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