# idto.ai

> idto.ai is an India-first identity verification platform providing 200+ APIs for KYC, KYB, AML, fraud prevention, and global identity verification. RBI and SEBI compliant. Headquartered in Gurugram, India. Legal entity: Payvriz Technologies Private Limited.

## Products

- [CKYC Registry API](https://idto.ai/products/CKYC/): Instant Central KYC search, download and upload for RBI-regulated financial entities
- [Bank Account Verification](https://idto.ai/products/BAV/): Penny-drop and pennyless bank account verification in real-time
- [DigiLocker 3.0](https://idto.ai/products/digilocker-3.0/): Aadhaar-seeded document fetch, eSign, and DigiLocker 3.0 integration API
- [Mobile Intelligence](https://idto.ai/products/mobile-intelligence/): SIM swap detection, device intelligence and mobile number verification
- [idto Flow](https://idto.ai/products/idto-flow/): Configurable identity workflow SDK for branded onboarding journeys
- [Bank Statement Analysis](https://idto.ai/products/bank-statement-analysis/): Bank statement PDF analysis for underwriting-ready financial intelligence
- [Face Match & Liveness](https://idto.ai/products/face-match-liveness/): Real-time face matching, liveness detection, image quality checks and verification reports
- [Digital Check-In](https://idto.ai/products/digital-check-in/): DPDP-ready hotel check-in workflows for guest identity verification before arrival

## Solutions

- [Fintech & Lending](https://idto.ai/solutions/fintech-and-lending/): Onboarding, borrower risk, CKYC, DigiLocker, mobile intelligence and account verification
- [Banking & NBFCs](https://idto.ai/solutions/banking-and-nbfcs/): KYC, CKYC, bank account verification, document checks and customer intelligence
- [Insurance](https://idto.ai/solutions/insurance/): Policy onboarding, CKYC, claims payout validation, reachability and renewals
- [Crypto & Web3](https://idto.ai/solutions/crypto-and-web3/): Onboarding, KYC, biometric checks, bank validation, payout verification and risk
- [Marketplaces](https://idto.ai/solutions/marketplaces/): Verify sellers, buyers, service providers, bank accounts, documents and contactability
- [Social & Community Platforms](https://idto.ai/solutions/social-and-community-platforms/): Reduce fake accounts, duplicate profiles, abuse, unsafe payouts and trust gaps
- [Gig Economy](https://idto.ai/solutions/gig-economy/): Verify gig workers, documents, bank accounts, face and contactability
- [Employment & Background Verification](https://idto.ai/solutions/background-verification/): Verify candidates, documents, education records, bank accounts and contactability
- [Merchant Onboarding & KYB](https://idto.ai/solutions/merchant-onboarding-kyb/): CKYC, PAN/GSTIN/MCA business checks, DigiLocker fetch, director and UBO checks, and AI-orchestrated bank account verification for merchant onboarding

## Blog

- [Why Identity Orchestration is the Future of Digital Verification](https://idto.ai/blog/identity-orchestration-future-digital-verification/)
- [Employee Verification: Digital vs Manual - Which Approach is Right for Modern Businesses?](https://idto.ai/blog/employee-verification-digital-vs-manual/)
- [KYC for Personal Loans in India: What IDs Are Needed and How to Configure the Journey](https://idto.ai/blog/kyc-personal-loans-india/)
- [How to Build Business Loan Journeys in India: IDs, Documents, KYB Checks and Configuration](https://idto.ai/blog/business-loan-journeys-india/)
- [KYC Requirements for Home Loans in India: Regulations, Verification Process, Service Providers and How Modern Lenders Can Improve Onboarding](https://idto.ai/blog/kyc-home-loans-india/)
- [Loan Fraud Is Winning in India Until You Check Who's Actually Applying](https://idto.ai/blog/loan-fraud-india-identity-checks/)
- [Why Payment & Identity Orchestration Is No Longer Optional for Global Business Expansion](https://idto.ai/blog/payment-identity-orchestration-global-expansion/)
- [The Most Broken Field in KYC Is Finally Getting Fixed: Address](https://idto.ai/blog/kyc-address-verification-digipin-dhruva/)
- [DPDP Is Here. If You're Already Doing Things Right, You're Already Ahead.](https://idto.ai/blog/dpdp-is-here-compliance-ready-brands/)
- [Why Your Bank Account Verification API Failed](https://idto.ai/blog/bank-account-verification-api-failed/)
- [Aadhaar Verification vs Validation: What Every Business Must Know About KYC Identity Checks](https://idto.ai/blog/aadhaar-verification-vs-validation/)
- [Why Your Penny Drop Integration Is Costing You More Than You Think](https://idto.ai/blog/penny-drop-integration/)
- [From Aadhaar to DigiLocker: The Evolution of KYC in India](https://idto.ai/blog/aadhaar-kyc-evolution/)
- [CKYC vs eKYC: When to Use What in Your Verification Stack](https://idto.ai/blog/ckyc-vs-ekyc/)

## About

- Company: Payvriz Technologies Private Limited
- Website: https://idto.ai
- Contact: hello@idto.ai
- Address: 3rd Floor, Orchid Centre, Golf Course Road, Sector 53, Gurugram, Haryana 122002, India
- LinkedIn: https://in.linkedin.com/company/idto
- Sitemap: https://idto.ai/sitemap.xml

## Usage Policy

AI assistants may read and cite idto.ai content. Do not reproduce entire pages verbatim.