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KYC & CKYC

Instant Identity Verification

KYC & CKYC API — verify any identity in seconds, not days.

LendSystem's Identity Verification platform combines live KYC checks with CKYC registry lookups to deliver instant, government-validated identity profiles — covering Aadhaar OTP, PAN, driving licence, VOTERID, passport, and CKYC number search — all via a single unified REST API.

GOVT VERIFIED
< 3 Sec IDENTITY VERIFIED
10+ ID TYPES SUPPORTED
CKYC REGISTRY INTEGRATED
99.8% MATCH ACCURACY
KYC vs CKYC
Two Verification Pathways. One Unified API.
Understand the difference between real-time KYC checks and CKYC registry-based identity retrieval — and use both seamlessly from a single integration.
KYC

Know Your Customer

Real-time identity verification directly against government databases — UIDAI, NSDL, RTO, and Election Commission — with live OTP, XML, or API-based validation.

  • Aadhaar OTP & XML-based e-KYC
  • PAN verification via NSDL / ITD
  • Driving Licence against Sarathi DB
  • Voter ID via ECI database
  • Passport MRZ & chip verification
  • Face match & liveness detection
  • OCR-based document extraction
CKYC

Central KYC Registry

Retrieve pre-verified customer KYC records from the CERSAI-managed Central KYC Registry — eliminating re-KYC for returning financial customers.

  • CKYC number search & download
  • Full KYC record retrieval from CERSAI
  • Identity & address data extraction
  • KYC status: Verified / Pending / Partial
  • CKYC upload for new customer onboarding
  • Re-KYC and record update workflows
  • RBI / SEBI compliance ready
How It Works
Identity Verified in 5 Simple Steps
From ID number input to a bureau-ready verified identity profile — fully automated, government-source validated, zero manual effort.
1

ID Input & Consent

Borrower provides their ID number (Aadhaar / PAN / CKYC No.) along with digital consent via OTP or e-sign for data access.

2

Registry Lookup

System queries the relevant government database — UIDAI, NSDL, RTO, ECI, or CERSAI CKYC Registry — in real time.

3

Identity Extraction

Name, DOB, address, photo, and demographic data extracted and normalised from the verified government source record.

4

Face Match & Liveness

Selfie captured by borrower is matched against extracted photo using AI face-match with liveness challenge to prevent spoofing.

5

Verified Profile Output

A lender-ready verified identity profile with match scores, source references, risk flags, and AML/PEP screening results.

Key Features
What Powers Our Identity Verification
Every identity intelligence layer your onboarding and underwriting teams need — from government DB verification to AML screening — in one platform.

Aadhaar e-KYC & OTP Verification

UIDAI-authorised Aadhaar OTP and XML-based e-KYC with full demographic and address data extraction — consent-compliant, encrypted, and always government-source verified.

CKYC Registry Search & Download

Instant CKYC number lookup and full record download from CERSAI — eliminating re-KYC for existing financial customers and reducing onboarding time from days to seconds.

AI Face Match & Liveness Detection

Passive and active liveness checks with AI-powered face comparison against ID document photos — detecting spoofing, deepfakes, and printed image attacks with 99.8% accuracy.

AML, PEP & Negative List Screening

Real-time screening against global AML watchlists, UN sanctions, PEP databases, RBI defaulter lists, and court records — flagging high-risk identities instantly at onboarding.

Supported Verifications
Every ID Type. Every Source.
From Aadhaar and PAN to CKYC number and passport — our API covers all government-issued identity documents used across Indian lending and financial services.

Aadhaar OTP

Live OTP-based e-KYC with UIDAI — name, DOB, address, photo.

KYC

PAN Verification

NSDL / ITD PAN validation with name, status, and tax category.

KYC

CKYC Lookup

CERSAI CKYC number search and full record download.

CKYC

Driving Licence

RTO Sarathi DB lookup for DL validity, category, and holder details.

KYC

Voter ID (EPIC)

Election Commission database check for voter identity and constituency.

KYC

Passport Verify

Passport MRZ validation and chip data extraction for international KYC.

KYC

Bank Account Verify

Penny-drop or IFSC-based bank account ownership and status validation.

KYC + CKYC

AML / PEP Screen

Real-time global watchlist, sanctions, and PEP screening at onboarding.

KYC + CKYC
Platform Modules
A Complete Identity Intelligence Ecosystem
Whether you onboard retail borrowers, SMEs, or corporate entities — our KYC & CKYC platform delivers verified identities at any scale.

e-KYC Engine

Aadhaar OTP, XML, and offline e-KYC with UIDAI — delivering verified identity in under 3 seconds with consent audit trail.

CKYC Connector

Full CERSAI integration for CKYC number search, record download, new upload, re-KYC, and update workflows.

Face Match & Liveness

AI-powered biometric engine with passive liveness, active challenge, and face-to-ID comparison at 99.8% accuracy.

OCR Document Reader

Extracts data from Aadhaar, PAN, DL, Voter ID, and Passport images — front, back, and MRZ using high-accuracy OCR.

AML & Risk Screening

Screens against 100+ global watchlists, UN sanctions, RBI defaulters, PEP lists, and Indian court records in real time.

API & Workflow Integration

REST API with webhook callbacks, consent management, and plug-and-play integration into LOS and CRM systems.

LIVE PLATFORM ACTIVITY
Real-Time Verification Counter
Live identity verifications happening right now across our platform — updated every few seconds.
Verified Today
0
0 in last 10 min
Aadhaar e-KYC
0
0 right now
CKYC Lookups
0
steady pace
Rejections Today
0
fraud flags
99.8%
ACCURACY

Match Accuracy

AI face-match & government-source verification maintaining 99.8% accuracy across all ID types since launch.

Live Activity Feed
Verifications by Hour (Today)
Get Started

Onboard Borrowers Faster with Instant Identity Verification

Join leading NBFCs, banks, and fintechs replacing paper-based KYC with instant, government-verified digital identity checks.