CKYC 2.0 API
Smart | Accurate | Compliant
Upgrade Your Business for CKYC 2.0
Bridge your internal systems with the CKYCRR 2.0 registry using an enterprise-grade orchestration platform with built-in AI document intelligence, automated Aadhaar masking, facial de-duplication, and real-time registry synchronization – designed for banks, NBFCs, fintechs, insurers, and regulated institutions.
Every CKYC Rejection Costs Revenue, Time, and Customer Trust
Surepass simplifies the entire CKYC 2.0 onboarding journey through a centralized orchestration and AI-powered compliance platform.
Efficient Onboarding
Simplify CKYC 2.0 onboarding with real-time API verification, automated validations, and reduced manual processing across financial institutions.
Smart JSON Validation
Convert onboarding data into CKYC 2.0-compliant JSON schemas with automated field validation, formatting checks, and error reduction.
Standardization and Compliance
Ensure Standardized CKYC 2.0 workflow, Aadhaar masking compliance, centralized record management, and alignment with CERSAI regulations.
Automated Workflow for Smoother Verification
Capture Customer Data
AI-Powered Document Processing
Smart Data Validation
De-duplication & Record Hygiene
Orchestrate & Submit
Track & Sync
CKYC 1.0 vs CKYC 2.0:
How Surepass Bridges the Gap
| Feature / Area | CKYC 1.0 | CKYC 2.0 Mandate | Surepass Advantage |
|---|---|---|---|
| Data Validation | Bulk uploads with delayed rejection handling | Real-time CERSAI validation APIs with instant rejection checks | AI-powered rule engine auto-sanitizes data for first-time-right submissions. Pre-submission validation prevents errors before reaching CERSAI. |
| Document Quality | Manual verification where low-quality documents often pass | DPI, crop, and liveness compliance mandatory, causing high rejection rates | Auto-crop, de-skew & enhance images in real time. Poor docs fixed instantly using AI, not rejected. |
| Aadhaar Masking | Manual masking by operations teams | Mandatory masking of first 8 Aadhaar digits before submission | AI-based automatic masking – 100% accurate, zero human errors, audit-ready logs. |
| De-duplication | PAN/Aadhaar match only, duplicates common. | Facial probable-match detection required | Visual face matching with confidence scores. One-click merge or create new. Full audit trail. |
| Data Format | Static CSV/Excel uploads requiring manual preparation | Structured JSON Format. | Auto-convert any format (JSON, XML, CSV, Excel) to compliant CKYC 2.0 JSON. No manual transformation. |
| Workflow Speed | Batch processing with long turnaround times | Real-time APIs with maker-checker dependencies | Zero manual handling for standard cases, parallel bulk processing, and average processing time under 2 minutes. |
| Registry Sync | No cross-bank update visibility | Registry sends unsolicited updates automatically | Intelligent CKYC lifecycle tracker with 24/7 bi-directional sync across CBS/LMS systems. |
| Security | Basic TLS-based protection | mTLS, OAuth 2.0, JWE/JWS encryption required | Enterprise-grade security stack with Mutual TLS, OAuth 2.0, JWE encryption, JWS digital signatures, and complete audit trails. |
Get started with CKYC 2.0
The Future Of Your Business Is Just A Click Away – Let's CKYC Lead The Way!
Banks & NBFC
Fintech Platforms
Insurance Companies
Investment and Brokerage Platforms
Banks & NBFC
Fintech Platforms
Insurance Companies
Investment and Brokerage Platforms
Built-in Features For Smooth
CKYC 2.0 Operations
Intelligent Validation Engine
Validate onboarding data before submission to reduce failures and rejection rates. Includes field-level schema validation, data type checking, and completeness verification.
AI Document Intelligence
Auto-crop, de-skew, enhance, and normalize poor-quality document images to CERSAI specifications. Fix blurry photos, adjust contrast, and ensure DPI compliance automatically.
Automated Aadhaar Masking
AI-powered real-time masking of first 8 Aadhaar digits before submission. Zero manual intervention. 100% compliance with CERSAI privacy requirements.
Facial De-duplication Engine
Visual face matching with confidence scores. Resolve "probable matches" through intuitive interface – one-click merge or create new record. Eliminate duplicate CKYC entries.
Unified Workflow Orchestration
Manage onboarding, compliance, and processing workflows through one centralized platform. Visual workflow builder, role-based approvals, and audit trails.
Name Screening & Grading
Screen customer names against watchlists. Grade record quality (A/B/C/F) before registry submission.
Bidirectional Registry Sync
24/7 monitoring of CERSAI updates. Automatically sync lifecycle changes, rejection reasons, and status updates back to your LOS/CBS. Always stay compliant.
What is CKYCRR 2.0?
Who needs to comply with CKYC 2.0?
How does the Platform handle Aadhaar Masking?
What is the difference between CKYC 1.0 and CKYC 2.0?
Is Aadhaar Masking mandatory in CKYC 2.0?
What is the role of APIs in CKYC 2.0?
Ready To Supercharge Your Business?
Empowers your business with a smooth, efficient solution that accelerates processes, boosts productivity, and ensures seamless compliance.
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Gain access to over 300+ verification APIs to streamline your KYC/KYB processes effortlessly.
Test our APIs in a secure sandbox environment to ensure smooth functionality and integration.
Enjoy seamless integration with developer-friendly documentation and 24/7 expert support.
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