KYC that takes minutes and stands up to an audit
Aadhaar eKYC and digital KYC for retail customers, plus the cases most vendors skip — corporate entities, NRIs, minors, joint holders, periodic Re-KYC and account closure.
Every customer type, one verification platform
A retail customer, a private limited company, an NRI with a Dubai address and a nine-year-old with a guardian all need different evidence. Handling that in one system is the difference between a compliance function that scales and one that hires.
Aadhaar eKYC
Paperless identity verification through UIDAI-licensed partners. The customer authenticates with an OTP sent to their Aadhaar-linked mobile number, or with biometric capture, and demographic details come back verified directly from the source. No document upload, no manual data entry, no typing errors in the customer name.
- OTP-based and biometric Aadhaar authentication
- Offline Aadhaar XML and QR verification
- Masked Aadhaar handling per UIDAI guidelines
- Verified name, date of birth, gender and address returned
- Consent capture with timestamped audit record
Digital KYC
A guided digital journey for customers who cannot or will not use Aadhaar. Document capture with OCR, face match against the photo ID, liveness detection to stop someone holding up a printed photograph, and geo-tagging where your policy requires it. Completed on the customer's own phone in a few minutes.
- Document capture with automatic OCR extraction
- Face match and passive liveness detection
- Geo-tagged and timestamped capture
- Video KYC session support with recording
- Maker-checker review queue for exceptions
Corporate KYC
Entity verification for companies, LLPs, partnerships and trusts. Certificate of incorporation, PAN, GST, MOA and AOA collected and validated, directors and authorised signatories verified individually, and ultimate beneficial ownership traced and recorded to satisfy your AML policy.
- Entity document collection and validation
- CIN, GST and PAN verification
- Director and authorised signatory KYC
- Ultimate beneficial ownership records
- Board resolution and authority letter capture
NRI KYC
Non-resident onboarding without asking anyone to visit a branch. Passport and visa verification, overseas address proof, FATCA and CRS declaration capture, and NRE/NRO account category handling — with time-zone-aware scheduling for any video verification step.
- Passport, visa and OCI card verification
- Overseas address proof handling
- FATCA and CRS self-certification
- NRE and NRO category classification
- Remote video verification across time zones
Minor KYC
Accounts for customers under eighteen, with guardian identity verified and the relationship documented. The system tracks the date the minor attains majority and triggers the conversion workflow in advance, so the account does not sit in a non-compliant state after their birthday.
- Guardian identity verification and linkage
- Birth certificate and school record capture
- Relationship proof documentation
- Automatic majority-attainment alerts
- Guided minor-to-major conversion workflow
Re-KYC
Periodic KYC refresh driven by your risk categorisation rather than by a spreadsheet someone maintains manually. The system identifies which customers are due, contacts them over SMS, WhatsApp and email, and lets them confirm or update details through a self-service link. Only the exceptions reach your team.
- Risk-based refresh scheduling and due-date tracking
- Automated multi-channel customer outreach
- Self-service confirmation and update links
- Change detection against existing records
- Completion reporting for regulatory submission
Joint holder KYC
Each holder on a joint account verified independently, with the mandate and operating instructions recorded against the account. Holders complete their own verification on their own devices, at their own time, without one person having to collect documents for everybody else.
- Independent verification per holder
- Operating mandate capture (jointly, either or survivor)
- Parallel journeys on separate devices
- Consolidated account-level compliance record
Account closure
Closing an account deserves the same rigour as opening one. Identity re-confirmed, closure reason captured, outstanding dues and linked mandates checked, settlement instructions verified, and the whole sequence recorded — so a disputed closure six months later has a file behind it.
- Identity re-verification before closure
- Closure reason and consent capture
- Outstanding dues and linked mandate checks
- Settlement account verification via penny drop
- Signed closure acknowledgement and audit trail
Why compliance teams choose Valtrixa
Licensed partners
Aadhaar eKYC delivered through UIDAI-licensed entities, with the documentation your regulator will ask to see.
Cases others skip
NRI, minor, joint holder and closure workflows are built in, not quoted as custom development.
Audit trail by default
Every consent, capture and decision is timestamped and exportable. Nothing has to be reconstructed later.
Drop-off you can see
Dashboards show exactly which step applicants abandon, so you can fix the journey rather than guess.
Maker-checker built in
Exceptions route to a human review queue with role-based permissions and a decision record.
Connects to your stack
Results push into your core system, LOS or CRM through API or webhook, not a CSV export.
KYC & verification — frequently asked questions
Is Aadhaar eKYC legally permitted for private companies?
Aadhaar authentication is available to entities permitted under the Aadhaar Act and subsequent amendments, including regulated financial entities and others authorised by the relevant ministry. We deliver eKYC through UIDAI-licensed partners and will tell you plainly which mode your entity type qualifies for, and what the alternative is if it does not.
What is the difference between Aadhaar eKYC and digital KYC?
Aadhaar eKYC pulls verified demographic data straight from UIDAI after the customer authenticates, so there is nothing to type and nothing to forge. Digital KYC works from documents the customer submits, using OCR, face match and liveness detection to establish that the person and the document belong together. eKYC is faster and stronger where you are permitted to use it.
How long does a customer take to complete KYC?
Aadhaar eKYC with OTP typically completes in under two minutes. A full digital KYC journey with document capture and liveness runs three to six minutes. Corporate KYC depends on how quickly the entity supplies its documents, which is usually the real bottleneck.
Can we run video KYC sessions?
Yes. Video verification sessions are supported with recording, timestamping and geo-tagging, and can be scheduled or run on demand with an available agent. This is commonly used for NRI customers and higher-risk categories.
Does it integrate with our existing core banking or loan origination system?
Yes. Verification results are returned over REST API and webhooks, so they can be written directly into your core system, LOS or CRM. We have no interest in becoming another screen your operations team has to keep open.
How is customer data handled and how long is it retained?
Data is encrypted in transit and at rest, access is role-based, and retention is configured to match your regulatory obligation rather than a default we chose. We will walk your information security team through the specifics before you commit.