Financial Services · KYC automation
Banao builds KYC pipelines that identify document fraud in real time, confirm the person is who they claim to be, and screen every applicant against AML and sanctions lists before they complete onboarding — all inside your existing core, not as a parallel integration.
The pipeline runs embedded in your core system, not as a separate SaaS product. Every document check carries the evidence your compliance team reads and your regulator audits — with zero manual re-entry between systems.
PhonePe— Banao engineers embedded in the payments-scale onboarding and compliance stack.
A KYC deployment is not a document OCR API. It is the extraction, the biometrics, the AML screening, the audit log, and the exception workflow — we own all of them.
PAN, Aadhaar, passport, driving licence, and bank statements parsed and cross-checked against source formats. Field extraction, consistency checks, and tamper signals are part of every document call.
Biometric match between the live selfie and the document photograph, with liveness checks that block static-image and replay spoofing. Decision is available in under two seconds on standard hardware.
Real-time name and entity screening against OFAC, UN, EU, and domestic watchlists, plus PEP detection. Hits route to a case-management queue with evidence attached; clean records clear automatically.
Bank statement OCR, utility-bill parse, and GST data cross-reference to confirm address and income without manual review — and without asking applicants to upload documents twice.
Scheduled re-verification triggers, watchlist-update alerts, and customer notification workflows built into your policy calendar — so your KYC programme stays current without a manual chase-up each cycle.
Every verification event, every override, and every exception is logged with source evidence — structured so your compliance team produces a regulator-ready trail in minutes, not a document chase.
Metrics shown dotted (··) are being finalised in our case-study metrics pack — published only once verified.
PhonePe
Banao engineers in the payments-scale compliance and onboarding stack, where every verification decision must be fast, auditable, and correct — with zero tolerance for regulatory gaps.
Banao runs a ~300-person engineering company on its own AI products. InterviewGod screens every Banao engineering hire — structured document submission, background checks, and assessment — before any candidate reaches a final interview.
When we deploy KYC automation for a bank, we are not describing a system we built for someone else. We operate compliance-grade identity pipelines on our own organisation every week, which is exactly the bar we hold your deployment to.
An automated pipeline is not the right fit for every institution. We will tell you before you commission one:
We do not quote a KYC build from a requirements document. We review a sample of your actual documents and decision history first.
We audit a sample of your real documents, map your existing decision rules, and test extraction accuracy on your hardest document types. You get a feasibility report and a build estimate — yours to keep regardless. If you proceed, the Sprint fee credits against the build.
Document extraction, biometric match, AML screening, and audit log — integrated into your onboarding flow with your compliance team's sign-off at each checkpoint.
Live deployment with exception queues, override logging, and a compliance dashboard. Extraction accuracy and watchlist coverage reviewed quarterly, with re-training triggered by drift metrics.
Which document types can the system verify?
PAN, Aadhaar, passport, driving licence, Voter ID, utility bills, bank statements, and GST registration for Indian onboarding. For cross-border, we add country-specific national IDs. The Discovery Sprint establishes which document classes your volume actually requires.
How does the system handle suspicious or tampered documents?
The pipeline checks for digital manipulation signals, format inconsistencies, and metadata anomalies on every document. Suspected tampering flags the case for human review rather than auto-declining — your compliance team makes the final call, with the evidence attached.
What audit trail does the system maintain for regulators?
Every decision event — extraction result, match score, AML screening outcome, override, and agent action — is logged with source evidence and a timestamp. The log is structured so your compliance team can produce a regulator-ready trail in minutes, not a manual document chase.
Can it integrate with our existing core banking or onboarding platform?
Yes. Integration is via REST API, webhook, or direct database connection depending on your stack. Core banking, LOS, and CRM integrations are part of the build deliverable. We do not require you to replace or re-platform existing systems.
How do you handle re-KYC and ongoing customer monitoring?
Re-KYC triggers are built into the deployment — scheduled by your policy calendar or event-driven by watchlist updates. Customers receive notification workflows; your compliance team gets a review queue rather than a manual chase-up cycle.
In 45 minutes we will tell you whether your document set is ready for automation — and if not, what would have to change before it is.
Book a 45-min scoping call
