KYC Verification APIs for Faster, AI-Powered User Onboarding

Q: Which documents does Decentro support for KYC verification?

Decentro supports all photo-based national IDs, including Driver's Licence (DL), PAN, Voter ID, Passport & Aadhaar card. Decentro also enables bank account verification and GSTIN verification and offers configurations for ID verification upon request.

Q: Can you fetch Aadhaar data directly from the government database?

Private entities don’t have direct access to Aadhaar databases per the new government regulations. Hence, we request that your customers download their Aadhaar XML files offline (i.e., on their devices) and then upload them to your website/app.

Q: How to download the Aadhaar XML file?

The Aadhaar file can be downloaded in PDF as well as XML format from the below-given websites: PDF: https://eaadhaar.uidai.gov.in/#/ XML: https://myaadhaar.uidai.gov.in/

Q: Do we also provide/a link to the CKYC APIs?

Yes. We provide 2 types of integrations - aggregator & native. If you are a registered entity with CKYC credentials, you can integrate through Decentro and use your credentials to access CKYC information. Alternatively, you can access CKYC data using Decentro’s credentials.

Digitally onboard users with real-time identity & document checks. Cut manual review, reduce drop-offs and launch faster.

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20000+ KYC checks per hour

1M+ Data Points fetched daily

Trusted by 2000+ Indian businesses for 10X faster fintech launches

What Our KYC Solution Does

Verify Identities and
Documents Instantly

Pull CKYC, DigiLocker docs, bank signals and intelligent document checks to confirm identity in seconds.

Automate Consent-First
KYC Flows

Capture consent, fetch verified records, and return normalized responses for decisioning.

Reduce Fraud and
Manual Effort

Block risky profiles, reduce drop-offs, and accelerate user onboarding with AI-assisted automated fraud checks.

Ready to launch secure, low-friction onboarding?

Get started with Decentro’s KYC APIs.

Our Products

Available as simple, automated, plug-n-play APIs

CKYC

One API to fetch a customer's central KYC fingerprint after consent — OSV-ready and audit-friendly for regulated onboarding.

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UIStreams

Pre-built, customizable front-end flows and SDK components that capture consent, guide users through document upload/scan, and submit normalized payloads to APIs.

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HyperStreams

Multi-step, server-side verification flows with AI-powered OCR, face-match, and tamper detection that run complex checks in a single orchestrated call.

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DigiLocker

Pull government-issued documents (PAN, certificates) directly with user consent for verified, tamper-evident documents.

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Scanner

Verify documents, faces, and data with AI-powered forensics, liveness checks, and fraud detection for secure onboarding.

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Verification Services

Specialised checks: bank verification, employment & professional checks, and third-party verification integrations to enrich decisioning.

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Nexus Intelligence Active

Build your KYC flow
in record time.

Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.

Endless Possibilities

Automate KYC Checks with Reduced Manual Efforts and Costs

Prevalent Use Cases

Customer & Business
Onboarding

Instantly verify individuals and businesses with CKYC, DigiLocker, and AI-powered document checks to reduce drop-offs and speed activation.

CKYC-ready Financial
Onboarding

Pull CKYC records in one API call to cut offline KYC steps and accelerate account openings for regulated journeys.

Marketplaces & Gig
Platforms

Verify users, sellers, and partners with AI-assisted identity and duplicate detection to prevent fraudulent accounts.

Trading
Platforms

Run quick identity and age checks to meet compliance requirements and block risky profiles upfront.

Rental &
Mobility

Authenticate renters or drivers through multi-source ID and document checks to reduce booking fraud and misuse.

Lending &
Insurance

Enhance underwriting with verified identity, employment, and document data for faster, more accurate decisions.

So what's the Decentro difference?

Other Providers

Decentro

Go-Live Speed

7-21 days of manual setup & testing

Live in hours via simple plug-and-play APIs or SDKs

Verification Depth

Limited to basic Aadhaar or PAN verification

30+ KYC checks including Aadhaar, PAN, CKYC, DigiLocker, GSTIN, EPFO, Voter ID, DL, and more

Automation &
Workflows

Rigid or manual workflows with fragmented steps

Fully automated with AI-orchestrated HyperStreams + UIStreams for dynamic, customizable onboarding flows

Data Accuracy &
Coverage

Single or outdated data sources

1M+ data points fetched daily across multiple verified repositories

Security &
Compliance

Basic KYC checks with partial compliance

RBI, CKYC, and DigiLocker compliant + encrypted verification flows

Scalability &
Reliability

Frequent downtimes or API latency

20,000+ KYC checks/hour, 99.9% uptime, multi-partner redundancy

Business Impact

Slow onboarding & increased fraud risk

Faster conversions, fewer drop-offs, and stronger compliance through AI-powered verification

Try Out Yourself

As simple as a gentle tap, our APIs effortlessly facilitate seamless flow with just a touch

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Real results, real voices

Leading companies share their Decentro journey

We’ve been using Decentro’s CKYC solution and have seen much better success rates compared to other vendors. In a space as complex as CKYC with evolving CERSAI guidelines, their speed of implementation truly stands out.

10X Faster

CKYC Integration

Case Study

Ready to launch secure, low-friction onboarding?

Get started with Decentro’s KYC APIs.

Frequently Asked Questions

What is Digital KYC?

Digital KYC is an online customer verification process required for businesses operating in regulated sectors such as banking, insurance, and financial securities. The Digital KYC is crucial to Customer Due Diligence (CDD) requirements. It directs businesses to identify their customers to prevent money laundering, identity theft, and illicit financing activities.

Which documents does Decentro support for KYC verification?

Can you fetch Aadhaar data directly from the government database?

How to download the Aadhaar XML file?

Do we also provide/a link to the CKYC APIs?

DigiLocker

It aims at removing the dependency on physical documents and powers the sharing of verified electronic documents helping in seamless customer onboarding.

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