FinHub Verify · Video KYC
Aadhaar from DigiLocker, the PAN card read by OCR and a liveness check, collected from a link on the applicant's own phone. Your auditor sees it all side by side and makes the call.
Session
Applicant
From a link
Reviewer
Your auditor
Verify
For journeys that don't require a live official
The Challenge
Remote KYC Needs Evidence, Not Just a Video
A branch visit costs the applicant a day and the branch a desk, and many applicants never come back to finish.
A recorded selfie proves little on its own: the reviewer needs the government identity, the physical card and proof a live person was present.
When the evidence sits in three systems, the decision is slow and the audit trail is thin.
Capabilities
What a Session Collects
Four kinds of evidence, collected remotely, for a person to decide on.
Identity from the government source
The applicant signs in to DigiLocker with their Aadhaar OTP and consents to share their eAadhaar, and PAN where DigiLocker holds it. The last four digits must match the number they typed.
- Name, date of birth, address and photo from a government-signed source
- Reviewers see a masked Aadhaar number, never the full one
- No branch visit and no appointment
The PAN card itself, read by OCR
The rear camera captures the physical PAN card and FinHub's OCR reads it, so the reviewer sees the card and its extracted fields side by side.
- Auto-capture after a short countdown
- Card image and extracted details kept with the case
- Proves possession of the card, not just the number
Liveness from three prompted actions
A voice guide asks the applicant to wave, blink and turn their head. Each action is scored, so the reviewer sees an overall result and a pass or fail per action.
- Catches a photo, a replay or a mask held to the camera
- Overall decision: real, failed or incomplete
- The recording stays with the case for review
A person makes the decision
Your auditor reviews the evidence in the admin portal and approves or rejects. The decision is recorded against their name, and the applicant is emailed the result.
- Admins and auditors sign in with their FinHub platform account
- India-only IP, VPN and bandwidth checks before a session starts
- Consent to recording captured at the start of every session
Choosing
Intelli VKYC or a Live V-CIP Call?
The regulation decides which one a journey needs, not the vendor.
| Criteria | Intelli VKYC | RBI V-CIP |
|---|---|---|
| Who runs the session | The applicant, from a link | An official of the regulated entity, live |
| Who decides | Your reviewer, after the session | The official, on the call |
| Satisfies RBI V-CIP on its own | No | Yes, when run to the KYC Directions |
| Availability | Any time | Official's hours and capacity |
| Typical use | Journeys where V-CIP is not mandated, or evidence before a call | Onboarding in V-CIP scope |
Which of your journeys fall inside V-CIP scope is a question for your compliance function against RBI’s current KYC Directions, not for a vendor page.
How a session runs
From Link to Decision
Five steps, none of which needs an appointment.
Invite
Your admin adds the applicant, who receives a link by email. No app to install.
FAQ
Intelli VKYC, Common Questions
What it verifies, what it catches, and where V-CIP still applies.
FinHub's browser-based video KYC. An applicant completes DigiLocker Aadhaar, PAN card capture and a liveness check from a link, and a trained reviewer at your institution approves or rejects the case with all the evidence side by side.
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Run It on Your Own Onboarding Flow
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