Industry — Banking & NBFC

Digital trust for Banking & NBFC

From loan agreement signing in minutes to CKYC fetch at onboarding and AML screening at origination — built for the compliance and throughput demands of lenders in every market we operate in.

RBI Master DirectionUIDAI ASP PartnerCBUAE-AlignedPSD2-Aware

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INDUSTRY CHALLENGES

Where the friction shows up

Manual loan document signing

Sanction letters, loan agreements, ECS mandates, hypothecation documents printed and couriered — adding days to disbursement.

Paper-based KYC at onboarding

Duplicate customer records, CKYCR upload delays, incomplete verification exposure under the RBI KYC Master Direction.

PMLA compliance gaps

Inconsistent AML/PEP screening at onboarding, inadequate record-keeping for PMLA Section 12.

Digital lending workflow fragmentation

Disconnected signing, KYC, and verification tools complicate RBI Digital Lending Guidelines audit-trail reconstruction.

CAPABILITIES

Platform capabilities for Banking & NBFC

Mapped to the underlying solution pillars — click through for full technical detail.

✍️ Digital Signing — WebSigner Platform

Loan agreements, sanction letters, ECS mandates, and hypothecation deeds signed via Aadhaar eSign or HSM bulk signing — integrated with your LOS or LMS through REST API. Supports serial approval chains for multi-signatory lending documents.

⚡Aadhaar eSign🔒HSM Bulk Signing🔄LOS Integration

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Loan Signing Flow

LOS generates loan agreement PDF

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WebSigner sends Aadhaar eSign request to borrower

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Borrower signs via OTP on Aadhaar-linked mobile

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Signed PDF + audit trail stored; LOS notified via webhook

🪪 Identity Verification — CKYC, AML & Beyond

Fetch CKYC records from CKYCR by PAN or Aadhaar at onboarding. Verify Aadhaar, PAN, bank accounts, and GST in a single API call sequence. Screen against AML/PEP databases at origination with configurable risk scoring.

🔍CKYCR Fetch🎥V-CIP Ready🚩AML/PEP Screening

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KYC API Coverage

Aadhaar OTP

PAN Verify

CKYC / CKYCR

Bank Account

AML / PEP Screen

V-CIP Video KYC

🔐 PKI & Certificates — DSC for MCA Filings

Class 3 DSC for directors, company secretaries, and authorised signatories — required for MCA21/ROC filings, SEBI disclosures, and regulatory submissions. Centralised DSC management across entities.

🏛️MCA21 Compliant🔐Class 3 DSC📋Multi-Entity Management

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DSC Lifecycle Dashboard

Director DSC — Entity AActive

CS DSC — Entity BRenew in 14d

Director DSC — Entity CActive

REGULATORY DRIVERS

India / UAE / EU, side by side

🇮🇳 India

RBI Master Direction, MCA/ROC, PMLA 2002

🇦🇪 UAE

CBUAE regulates banking and (since 2020) insurance directly

🇪🇺 EU

PSD2-adjacent onboarding, eIDAS-compliant signatures

USE CASES

How Banking & NBFC organisations deploy the platform

Loan signing in under 4 minutes

Aadhaar/Emirates ID OTP authentication, sign within the lender's mobile or web journey.

WebSigner

CKYC fetch at origination

Avoid redundant KYC via Central KYC Registry search.

India

UAE lending onboarding

Emirates ID eSign for UAE-based borrowers.

UAE

Centralised DSC dashboard

Renewal/revocation management across entities and regions.

PKI