Unified Identity & Bank Verification for Modern B2B Platforms
Act as the trusted verification bridge. White-label bank account validations, paperless DigiLocker e-KYC, PAN, and corporate intelligence through your own private gateway with live client quota tracking, automated circuit breakers, and custom profit margins.
Interactive API Gateway Console
Test the live gateway in real-time. Notice how your client receives clean responses while the hub meters every single call with zero regulatory PII storage.
curl -X POST "https://api.krishiv.com/v1/bank-account/sync" \
-H "x-api-key: ksh_live_9f83a214e8..." \
-H "x-api-secret: sec_live_FinPulse..." \
-H "Content-Type: application/json" \
-d '{
"verification_id": "ORD_98231",
"bank_account": "912010048123901",
"ifsc": "HDFC0000060",
"name": "ARJUN REDDY"
}'Click "Run Test Call" to test this endpoint live through the Krishiv Gateway.
Simulates real-time verification with instant credit metering.
Enterprise Verification Engines
Everything your fintech, lending, or marketplace clients need to comply with RBI, SEBI, and IRDAI KYC guidelines.
Bank Account Penny Drop (IMPS & UPI)
Real-time ₹1 IMPS credit & Reverse Penny Drop (UPI) verifying active bank accounts, account holder name match, and account type across 120+ Indian banks.
DigiLocker Paperless Aadhaar e-KYC
100% compliant paperless customer onboarding via DigiLocker. Extracts verified Aadhaar XML, official portrait photograph, Driving License, and Vehicle RC.
PAN & Aadhaar Linkage Suite
Direct NSDL and Income Tax Department connectivity to verify individual and business PAN status, father name, entity classification, and mandatory Aadhaar link status.
GSTIN Business Intelligence
Instant business legitimacy checks. Returns legal business name, registered trade name, principal place of business, jurisdiction, and past 24-month return filing history.
MCA & Corporate CIN Verification
Ministry of Corporate Affairs database queries for Private Limited, Public Limited, and LLP entities. Access authorized capital, ROC status, and active director DINs.
UPI ID (VPA) Real-Time Validation
NPCI connected handle validation. Verify whether any UPI address exists and fetch the registered beneficiary name prior to processing disbursements.
Turn Upstream Verification into a High-Margin Revenue Machine
Why sell APIs at cost? With Krishiv Secure API Hub, you set custom client rate cards. While upstream providers charge you standard rates, you charge your clients your custom selling prices. Every time their systems verify a bank account, your profit margin is captured automatically.
Configurable Per-Client Rate Cards
Offer volume discounts to anchor clients while maintaining 40%+ margins on standard customers.
Prepaid Wallets & Instant Auto-Cutoff
Clients prepay into their wallets. The moment a client hits their threshold, the gateway automatically returns 402 Payment Required—zero unpaid debt.
1-Click Top-Up & Automated GST Invoicing
Recharge a client with 1 click; your system generates compliant GST tax invoices (SAC 998313) instantly.
Enterprise Security & Compliance
Engineered specifically to satisfy strict BFSI, banking, and data protection regulations in India.
Static IP Whitelisting 2FA
Every client API request is checked against their pre-registered static IP addresses. Requests from unauthorized IPs are rejected with HTTP 403 Forbidden—even if credentials are leaked.
Zero-PII Storage Vault
100% DPDP Act 2023 compliant. Your portal never logs customer Aadhaar numbers, PAN numbers, or bank account details. Only transaction metadata (latency, status, cost) is recorded.
Collision-Free Namespacing
Upstream verification providers require unique reference IDs across your entire account. The hub automatically prefixes tenant codes (KSH01_ORD123) preventing cross-client collisions.