Identity Verification Business Verification Tax & Compliance Employee Verification Coming Soon Vehicle Verification Coming Soon GST Verification Coming Soon Document Verification Coming Soon Banking & Payments Coming Soon View all 8 suites →
Banking & NBFCs Insurance Fintech & Lending Government Capital Markets Payments & PA/PG Healthcare Telecom Real Estate Staffing & HR All industries →
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Industry Fintech & Lending

Verification infrastructure for digital lending & FinTech.

Disburse loans in seconds with automated borrower verification. Aadhaar & DigiLocker eKYC, instant penny-drop bank account validation, real-time credit bureau pulls, and GST underwriting — strictly aligned to the RBI Digital Lending Guidelines.

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RBI DLG compliance readinessREAL-TIME
Borrower identity eKYCDigiLocker, Aadhaar XML & PAN matchVerified
Bank account penny-dropBeneficiary name match > 95%Matched
Credit bureau scoreExperian / CIBIL consumer reportScored
Liveness & fraud check3D face liveness & device riskClear

Loan decisioning time
48 hours → under 45 sec
The regulatory reality

What RBI Digital Lending Guidelines require.

The Reserve Bank of India has rewritten the rules for digital lending apps (DLAs) and lending service providers (LSPs).

RBI DLG Directives

Direct bank-to-bank disbursals

Disbursements must go straight from the regulated entity's bank account to the borrower's verified bank account without pass-through pooling accounts.

PMLA · Fraud Shield

Synthetic ID & mule account shield

Detect deepfake face injection, forged PANs, and rented mule bank accounts with multi-vector liveness and Penny-drop fuzzy name scoring.

DPDP Act 2023

Explicit borrower consent

Full consent architecture with purposeful data collection, zero third-party device data scraping, and right-to-erasure compliance.

The cost of the status quo

Where fintech funnels leak conversion & capital.

Manual underwriting and multi-vendor integrations result in high drop-off rates and catastrophic first-payment defaults.

High dropout during KYC

Redirecting borrowers across multiple uncoordinated SDKs creates drop-off rates exceeding 40% before loan agreement signing.

Mule account disbursement fraud

Borrowers applying under genuine identities but routing disbursements to fraudulent or third-party bank accounts causes unrecoverable losses.

Underwriting latency & vendor sprawl

Calling separate providers for bureau, banking, PAN, and Aadhaar results in high API timeout rates and inconsistent response payloads.

From problem to resolved state

Instant, fraud-proof digital lending rails.

RPACPC equips fintechs with single-API orchestration from identity verification to loan sanctioning.

Sub-60s loan journeys

Complete end-to-end borrower verification: KYC, PAN, penny drop, and bureau pull in under one minute.

Zero mule disbursements

Penny-drop bank account validation compares Aadhaar/PAN name with beneficiary account holder with phonetic fuzzy match scoring.

Deep credit & GST insights

Integrate Experian & CIBIL reports and GST return filing history to underwrite MSME loans with precision.

Audit-ready DLG trail

Every API response provides immutable timestamped proof of borrower identity and compliance ready for RBI inspection.

Primary use cases

Where fintech leaders put RPACPC to work.

Core verification workflows that power consumer personal loans, buy-now-pay-later, and MSME credit lines.

Instant personal loan eKYC

Paperless Aadhaar OTP via DigiLocker, PAN validation, and face match for sub-2-minute consumer loans.

Penny-drop disbursement verification

Real-time Penny-less and Penny-drop bank account validation verifying exact borrower name before credit transfer.

MSME GST & Udyam underwriting

Analyze GST returns, PAN-to-GST links, and Udyam certification to determine business stability and credit limit.

Anti-fraud & 3D face liveness

Detect deepfakes, photo-of-photo spoofing, and emulator attacks with passive liveness detection.

Digital lending workflow

One seamless journey from application to disbursal.

How high-velocity digital lenders eliminate manual verification and cut drop-offs.

1

Instant identity eKYC

DigiLocker and Aadhaar OTP confirm applicant identity against authoritative government databases.

2

Face liveness & photo match

Verify borrower physical presence and compare live selfie with official Aadhaar/PAN photo.

3

Credit score & income validation

Pull Experian/CIBIL credit report and analyze bank account statements or GST returns in real time.

4

Penny-drop bank verification

Confirm the destination account matches borrower’s legal name before executing direct disbursal.

Loan decision outcomeAPPROVED
Identity verifiedDigiLocker · NSDL PANPASS
Liveness & match99.2% biometric match scorePASS
Credit bureau scoreScore: 782 (Low risk)ELIGIBLE
Disbursal accountPenny-drop name 100% matchedVERIFIED

Total pipeline time
35 seconds → ready to disburse
FAQ

Frequently asked questions

Answers to the questions compliance, risk and engineering teams ask most before integrating RPACPC.

Still have a question? Talk to an expert
What is RPACPC?
RPACPC is India's verification infrastructure platform — a single API layer covering 8 suites and 100+ endpoints for identity, business, employee, vehicle, GST, document, banking and tax verification.
How long does integration take?
Most teams go from sandbox to a working integration in a single sprint. Every API shares the same request and response structure, so adding a second or third verification doesn't mean learning a new contract.
Is RPACPC compliant with RBI and DPDP requirements?
Yes. RPACPC is built on DPDP-aligned infrastructure with enterprise-grade security, multi-factor authentication and secure data handling — with a timestamped, auditable record for every verification call.
Can I test the APIs before going live?
Yes — the Client Console gives you a sandbox to review real request and response structures, run test calls and validate your integration before switching to production keys.
Do I need separate integrations for every suite?
No. All 8 suites — KYC, KYB, KYE, KYV, GST, OCR, Banking and Tax — sit behind one API key and one unified contract, so you connect once and add suites as you need them.
What kind of support do you provide?
Every plan includes integration support from our engineering team, plus access to the Client Console for monitoring usage, billing, testing and platform health from one dashboard.
How is pricing structured?
Pricing is usage-based per verification call, with Growth and Enterprise plans that unlock additional suites and volume discounts. See the pricing page for full details.

India's verification infrastructure is already here.

Empower your applications with India's Enterprise Verification Intelligence Platform for faster, more reliable verification.

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