Digital Solution

As regulatory frameworks evolve, the Reserve Bank of India (RBI) has emphasized the need for secure, compliant, and seamless Agent-Based Digital solutions. ZOOP’s RBI-Compliant Digital Solution ensures adherence to RBI guidelines while optimizing the e process for businesses.

RBI Guidelines for Digital KYC

Application Infrastructure Requirements

The digital KYC process must be conducted via an authenticated application provided by the Regulated Entity (RE).
Access to the application must be controlled and restricted to authorized officials via login ID, password, or OTP-based authentication.

Live Photo Capture Requirements

Only live photographs of customers can be captured; printed or video-based images are not permitted.
Photographs must have a watermark including:

GPS coordinates
Authorized official’s name
Unique employee code
Date & Timestamp
Customer Application Form (CAF) number

Background must be white with no obstructions.

Document Capture Requirements

The original OVD (Officially Valid Document) must be captured vertically from above.
The system must auto-populate details from QR codes where available (e.g., Aadhaar).

Process Security Requirements

OTP-based verification for customer consent.
SeparateOTP verification for authorized officials.
Digital signature integration for document authentication.
Audit trail maintenance for complete compliance.

How Our RBI-Compliant Digital KYC Solution Works?

Secure Document Retrieval with DigiLocker

Our solution integrates DigiLocker SDK, ensuring:

Aadhaar-based KYC verification
OTP Authentication
PAN Verification

Advanced Face Liveness Verification

Using ZOOP's Face Liveness Verification SDK, we ensure:
1. Spoof detection and liveness checks to authenticate real individuals.
2. Compliance with mandatory verification parameters.
3. Matching the live image captured during KYC with the retrieved photograph from DigiLocker:

No accessories
Live presence detection
White background
Straight face positioning
Eye visibility enforcement.
Automated camera activation

Output

The final image is digitally watermarked with:
1. Customer Application Form (CAF) number
2. GPS coordinates
3. Authorized official's name
4. Unique employee code
5. Date and timestamp

Secure Document Retrieval with DigiLocker

Our solution integrates DigiLocker SDK, ensuring:

Aadhaar-based KYC verification
OTP Authentication
PAN Verification

Advanced Face Liveness Verification

Output

The final image is digitally watermarked with:
1. Customer Application Form (CAF) number
2. GPS coordinates
3. Authorized official's name
4. Unique employee code
5. Date and timestamp

Why Choose ZOOP's Digital KYC Solution?

Regulatory Compliance:

Fully aligns with RBI's Digital KYC guidelines.

Enhanced Customer Experience:

Paperless and hassle-free KYC process.

Operational Efficiency:

Reduces onboarding time with automation and accuracy.

Fraud Prevention:

Uses face liveness checks and AI-based identity verification.

Digital Solution

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