AI Video KYC for India's Regulated Industries
Remotely verify any individual — from gig workers and loan applicants to insurance policyholders and demat account holders — with AI liveness detection, face match against Aadhaar, and a court-admissible audit trail. No branch visit. Under 90 seconds.
From API Call to Verified — in Four Steps
The entire flow — session initiation to your webhook callback — runs under 90 seconds with no agent supervision required.
Initiate Session
One API call creates a unique, time-limited verification URL. Share it with the applicant via SMS, WhatsApp, or embed it directly in your onboarding flow.
Applicant Opens Link
The applicant opens the secure URL on their phone. No app download required — the entire flow runs in a mobile browser or your native SDK.
Liveness & Face Match
AI challenges confirm a live person (blink, nod, smile). Face is matched against the ID document photo — Aadhaar, PAN, or driving licence.
Result & Audit Trail
Your webhook receives a structured JSON result: liveness score, face match confidence, ID verified flag, geo-coordinates, and a tamper-proof audit hash.
Everything Required for Remote Identity
Designed for the compliance requirements of regulated Indian entities — NBFCs, banks, insurers, and capital markets intermediaries.
AI Liveness Detection
Multi-challenge, multi-frame analysis (blink, nod, smile) prevents photo, video replay, and 3D-mask spoofing with 99.1% accuracy.
Real-Time Face Match
Face captured during the session is matched against the ID document photo using computer vision. Match confidence score is returned in the JSON result.
Aadhaar & PAN Binding
ID document captured in-session is cross-checked against UIDAI and NSDL registries, creating a verifiable link between the face and the identity.
Geo-tagged Sessions
Device GPS coordinates and IP address are logged at session time — critical for city-level compliance checks and geo-fencing requirements.
Court-Admissible Audit Trail
Every session generates an encrypted recording, a SHA-256 hash, and a timestamped event log that satisfies RBI and SEBI audit trail requirements.
Mobile-First SDKs
Flutter and React Native SDKs for native integration. Browser-based no-install flow for low-end devices and 2G/3G coverage areas.
Sub-90-Second Flow
From session open to verified webhook callback. Engineered to minimise drop-off in high-volume onboarding funnels.
Webhook Callbacks
Verification results are pushed to your endpoint the moment the session resolves. No polling. Retry logic and delivery guarantees included.
One API, Every Identity-Sensitive Vertical
Wherever Indian regulations require in-person identity verification, Video KYC Stack replaces it — fully remotely, fully compliant.
Loan & Credit Card Onboarding
Replace in-branch KYC for personal loans, credit cards, and BNPL products. Applicants complete face verification from any device, reducing the onboarding funnel from days to minutes.
- Aadhaar-linked face match for loan disbursement
- Consent management built into the session flow
- Compatible with NBFC's RBI VKYC obligation
Mutual Fund & Demat Activation
SEBI-registered intermediaries can use Video KYC to activate demat accounts, mutual fund KYC, and stockbroking sign-ups — all aligned with CDSL and NSDL requirements.
- KRA-aligned Video KYC session flow
- ID document OCR + face match in one session
- Session recording stored for SEBI audit
Policyholder & Agent Verification
Insurance companies and vehicle registration platforms can verify policyholders, field agents, and new vehicle owners remotely — critical for tier-2 and tier-3 markets.
- Agent verification without field visits
- Vehicle owner identity binding to chassis/engine
- Works on basic Android with 2G connectivity
Gig Worker & Telecom eKYC
Onboard delivery partners, cab drivers, and freelancers at scale. Telecom operators use Video KYC for SIM activations and eKYC updates — replacing paper-based store visits.
- Geo-stamp confirms worker city of operation
- Re-verification for licence renewal cycles
- Telecom: TRAI-aligned Video KYC for SIM issuance
Integrate in Under an Hour
Three calls: initiate the session, share the URL with the applicant, handle the webhook callback. Sandbox access is immediate — no commercial commitment required.
Full API Docscurl -X POST https://api.truid.one/v1/vkyc/initiate \
-H "Authorization: Bearer TI_LIVE_KEY" \
-H "Content-Type: application/json" \
-d '{
"applicant_id": "APPL-9284",
"id_type": "aadhaar",
"purpose": "loan_kyc",
"callback_url": "https://yourapp.com/webhook/vkyc"
}'Test Every API Free in the Sandbox
Register now and get immediate access to PAN, Aadhaar, GSTIN, MCA21, credit report, and bank statement APIs. No contract required. No credit card. Just start testing.