The AI-Native KYC Stack is an identity verification solution designed for businesses in India. The platform offers zero-cost access limited to the first 200 slots and promises to reduce drop-offs by 40%, provide fraud-proof compliance, and enable businesses to go live in 2 hours.
Real-time feedback guides users to fix blurry Aadhaar scans or dim selfies, even with no tech skills.
Single API for multiple IDs, Pre-built SDKs, no-code dashboards, and 24/7 engineering support.
Blocks AI-generated deepfakes, tampered documents, and identity spoofing.
Auto-masks Aadhaar/PAN, generates pre-audit reports in one click.
The AI-Native KYC Stack simplifies KYC verification for India through a four-step process:
Auto extracts ID details, achieving 95% first-attempt approvals with real-time quality checks.
India-specific matching auto-approves valid name variations (e.g., Rajesh Devara Gowda and Rajesh D. G.)
Works even on low light, low bandwidth, and blocks masks, deepfakes, and static images.
AI auto-masking Aadhaar/PAN ensures 100% compliance and audit-ready logs.
Challenge: Farmers submit torn Aadhaar cards, low-light selfies, and regional name variations (e.g., "Raju" vs. PAN's "Rajesh Kumar").
Solution: AI reads damaged docs, verifies dim-lit selfies, and matches nickname logic. Can accelerate onboarding by 40%, even in low-connectivity areas.
Challenge: Fraudsters mix real PAN with fake Aadhaar and use decade-old photos.
Solution: AI flags document inconsistencies, matches aged faces (92% accuracy), and detects gender mismatches. Can reduce fraudulent loan approvals and minimize risk exposure.
Challenge: Fraudsters exploit discounts using Photoshopped PAN cards and deepfake selfies.
Solution: AI detects tampered docs, verifies live selfies, and flags name mismatches (e.g., "Rajesh K." vs. PAN). Can potentially reduce fake account creation and promo abuse.
Challenge: Users deny BNPL transactions, claiming stolen Aadhaar and deepfake selfies.
Solution: AI validates document authenticity, blocks AI-generated faces, and enforces exact name matches. Can cut first-party fraud disputes by up to 80%.
Challenge: Drivers submit cut-off licenses with name mismatches ("M. Selvam" vs. Aadhaar's "Murugan Selvam").
Solution: AI extracts data from partial docs, works offline on 2G, and links initials to full names. Can streamline onboarding for 30K+ drivers daily with minimal drop-offs.
Challenge: Manual Aadhaar masking errors expose fintechs to compliance risks.
Solution: AI auto-masks IDs, verifies live selfies (not screenshots), and ensures name consistency. Can help fintechs stay 100% RBI-compliant while automating verification.
"They are extremely good, trustworthy and a great partner - long way to go with Cashfree!"
"Cashfree Verification Team has built an amazing stack and launched some pioneering products. Having worked with more than 10+ players in this space, I can say that they are one of the most innovative players!"
"What we really like about Bank Account Verification feature is that it's extremely quick, and real-time. This feature helped us enhance the user experience - making the document approval and beneficiary onboarding very seamless."
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Unlimited SmartOCR, Face Match, and Name Match checks. No caps. Dedicated engineering support.
ML models trained on 1 Cr+ regional names. Handles "Sreeraj" (Malayalam) vs "Sriraj" (Hindi).
SmartOCR accepts partial docs, if critical fields (name, ID number) are visible.
Yes. Set Face Match thresholds (e.g., 70% for gig apps, 90% for NBFCs) in your dashboard.
Liveness checks detect screen replays, 3D masks, and AI-generated faces via micro-movement analysis.
Auto-masking hides Aadhaar/PAN details. All checks are logged with timestamps for audits.
Onboard users seamlessly with our compliant and highly customisable 360° identity verification platform - built to scale as your business grows.
Use our complete verification suite for e-KYC and verify the beneficiary bank account or UPI ID before sending money.
Authenticate users for confident and secure onboarding through reliable Face Match API and Face Liveness Detection, in compliance with RBI's Digital KYC guidelines.
Send, track, and request Aadhaar-holders to eSign documents in the most reliable, remote and effortless way. Get started with a simple API integration and go paperless.
Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.
RBI Authorised Payment Aggregator License Certificate of Authorisation No. 266/2025
RBI Authorised Prepaid Payment Instrument (PPI) Provider Certificate of Authorisation No. 209/2024
Cashfree Payments integrates with: