Identity and risk workflows for
modern fintech and lending.

Verify users, reduce onboarding drop-offs, enrich borrower profiles, and improve collections with one integrated verification stack.

Talk to us Explore Solutions

Built for teams across fintech, marketplaces, digital platforms, gig networks, and customer operations.

What this solves

Slow onboarding

Multiple KYC steps, broken journeys, and high user drop-offs.

Thin user context

Limited borrower understanding beyond PAN, Aadhaar, and basic bureau data.

Fraud and duplicate users

Fake profiles, risky numbers, suspicious accounts, and repeated applications.

Collections blind spots

Poor reachability and weak contact signals after loan disbursal.

idto stack for fintech and lending

CKYC 2.0

Search, download, create, and update CKYC records through a single integration.

DigiLocker Verification Suite

Fetch Aadhaar and other user-consented documents with smoother UX.

Mobile Intelligence

Understand number activity, reachability, telecom signals, and user context.

IntelliBank Account Verification

Verify account ownership and support safer payouts, disbursals, and changes.

Face Match + Liveness

Add biometric confidence for higher-risk onboarding journeys.

Alternate Data Enrichment

Use additional signals to improve risk, personalization, and decisioning.

Use cases

What you can build

Mix and match the idto APIs to ship full identity and risk flows — from first-time onboarding to last-mile collections.

See API docs

Digital lending onboarding

Repeat KYC using CKYC

User risk enrichment

Collections prioritization

Bank account verification

Face match & liveness checks

Build faster fintech onboarding and
risk workflows with idto.

Talk to us Sign-up

Built for modern customer workflows across onboarding, fraud, operations, and recovery.

Identity and risk workflows for modern fintech and lending.