Multi-Collect
Recurring Payments
Ledgers
Payment Gateway
Instant Payouts
Escrow Accounts
Settlr
KYC & Onboarding
Hyperstreams
Bytes
UIStreams
ScannerAlternative Data Made Reliable
Real-Time Signals | High Accuracy | Enterprise Scalability
What Bytes Does
Verify Identities Faster
Fetch PAN, name, contact details, and more from a mobile number.
Automate ID Cross-Checks
Match PAN, RC, and chassis details without manual effort.
Instantly Assess Creditworthiness
Pull bureau reports & quick scores to approve the right customers faster.
Beyond Traditional Data
Use social presence, phone tenure, and device intelligence to evaluate thin-file customers.
Stop Fraud Before It Happens
Detect mismatches, suspicious devices, short-tenure numbers, and synthetic profiles early.
Discover High-Intent
Leads First
Get daily feeds of newly registered businesses with verified director contacts.
Our Products
Available as simple, automated, plug-n-play APIs.
Mobile to X Suite
Verify identities from a single mobile number: fetch registered name, contact details and telecom metadata to close KYC gaps and enhance operational efficiency.
ID Converter Suite
Automatically map between identifiers (PAN → Mobile, PAN → Email, RC ↔ Chassis) to remove reconciliation bottlenecks and speed compliance checks.
Credit Bureau API
Get bureau-backed credit scores and full reports instantly via mobile+name. Use lightweight scores for pre-qualification and full reports for underwriting & audits.
Alternate Data Suite
Enrich profiles with social footprints, phone tenure and device signals to evaluate thin-file users, reduce fraud, and personalise offers.
Company Financials
On-demand corporate filings, balance sheets and financial indicators using CIN/PAN. Ideal for B2B underwriting, supplier vetting and due diligence.
Beacon: Lead Discovery
Daily feed of newly registered businesses with verified director & signatory contacts so sales teams can engage high-intent prospects first.
Nexus Intelligence Active
Build your data pull flow
in record time.
Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.
Powered by Nexus.decentro.tech
Endless Possibilities
Run verifications with 3x less effort and risk
Combine Mobile→X, ID converters and Alternate Data to automate checks that once needed manual reviews.
All-in-one alternative data stack
Document, telecom, social, device and corporate signals in one flow. Fewer integrations, richer decisions.
Powerful decisioning dashboard
View API logs, and risk signals in a single UI to speed investigations and compliance reviews.
Real-time risk scores & alerts
Get instant signals (tenure, social footprint, bureau score, financial red flags) so you can act before losses occur.
Seamless integration & no-code options
Plug-and-play APIs, and a sandbox let product & engineering teams go from test to production fast.
Scale without surprises
Low-latency (~300ms), enterprise SLAs, and rate-tiered pricing to support high-volume onboarding and lead feeds.
Turn data into growth
Use Beacon and Company Financials to find high-intent leads and underwrite B2B opportunities with confidence.
Always-on support & compliance guidance
Integration help, compliance checklists and 24x7 priority support so your pilots run smoothly and stay audit-ready.
Use Cases Benefiting from our Bytes
Faster Loan Origination
Approve more good customers, sooner. Use a mobile + name to pre-qualify, pull a quick credit score, and auto-fill KYC to cut application drop-off.
Fraud-proof Onboarding
Stop synthetic, spoofed and mule accounts at signup by cross-checking identity, device and social signals in real time.
MSME & Vendor Verification
Verify business identity and registration instantly to speed loans, supplier onboarding and payouts. Reduce manual checks and compliance risk.
Insurance & Vehicle Validation
Validate vehicle ownership and policy claims quickly by matching RC ↔ chassis, and combining telecom/device signals to flag suspicious claims.
First-mover B2B Sales (Beacon)
Reach newly registered companies with verified decision-maker contacts the day they appear. Shorten sales cycles and increase conversion.
Risk & Compliance Monitoring
Track changes in a company’s financial filings, debt and compliance status to mitigate ongoing credit and operational risk.
So what's the Decentro difference?
Go-Live Speed
2-4 weeks setup with manual integration
Live in hours with plug-and-play APIs or SDKs
Data Sources
Limited to one or two bureaus only
15+ sources: Credit Bureaus, GSTIN, PAN, EPFO, MCA, RC, Social Data & more
Data Depth
Basic credit score data with minimal insights
Pulls credit, demographic, and alternative data for a complete financial profile
Verification Accuracy
No interlinked data validation
Cross-verified via multi-source mapping (PAN↔GSTIN, RC↔Chassis)
Alternate Data Intelligence
No access to alternative datasets
Social profiles, phone tenure, and device intelligence enhance scoring models
Scalability & Performance
Limited throughput & API reliability
100+ credit reports/hr, 1M+ datapoints/day
Business Impact
Higher risk, slower lending workflows
Faster credit decisions, lower fraud, and improved customer intelligence
Try Out Yourself
As simple as a gentle tap, our APIs effortlessly facilitate seamless flow with just a touch
Credit Report
Enter details to proceed
Frequently Asked Questions
What are financial data aggregation APIs and how do they work?
Financial data aggregation APIs allow businesses to securely fetch customer financial information like credit reports, KYC details, and bank records, directly from verified data sources. This helps automate verification and lending decisions in real time.
What's the difference between a hard pull and a soft pull credit report?
How do APIs help in faster customer onboarding?
Are financial data APIs secure and compliant with regulations?
How can businesses use credit report APIs to improve lending decisions?
What is “alternative data” and how does it help lending and risk decisions?
Why is phone tenure & device intelligence useful for risk scoring?
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Instant Payout
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UPI Collection
Supercharge your platform by enabling payment collection through UPI. Accept payments from platforms like BHIM, PhonePe, Google Pay, etc.
KYC & Onboarding
Digitally onboard users by conducting instant background verifications with real-time KYC checks. Reduce customer drop-offs significantly.