Banking & Financial Services API Integration
Every KYC, account and payment rail a regulated bank needs — pre-built.
Banks, neobanks and payment companies live or die on identity, account and settlement APIs. We deliver Aadhaar e-KYC, PAN, CKYC, Account Aggregator, IFSC and UPI as tested, compliance-ready connectors so your product ships onboarding and money-movement flows in days, not months.
Why Banking & Financial Services teams integrate this stack
Banking is the vertical where integration quality is directly a regulatory matter. An onboarding flow that cuts a corner on Aadhaar consent, an Account Aggregator implementation that fetches outside its consent scope, or a payout path that cannot reconcile are not engineering defects to be fixed next sprint — they are findings in an inspection.
That is why banks and neobanks generally do not build these rails in-house twice. The stack below is the one a regulated institution actually needs: Aadhaar e-KYC and PAN for identity, CKYC to avoid re-collecting what the system already holds, Account Aggregator for consented financial data, EPFO for income, IFSC for beneficiary validation, UPI for money movement and Aadhaar eSign for legally valid execution. Every one of them runs under Aeologic's licensed access, with the audit trail each scheme expects.
What shapes the Banking & Financial Services integration stack
Licensed access, not just API access
Aadhaar authentication needs AUA/KUA accreditation and Account Aggregator needs an FIU position. We hold both, so certification is not on your critical path.
Consent has to be provable
Every AA fetch is bound to a consent artefact recording purpose, scope and expiry, and revocation is honoured immediately. That artefact is what an inspection asks for.
Reconciliation is not optional
UPI collections and payouts carry idempotency keys tied to your own reference, so a duplicated callback cannot double-credit and a dropped one cannot lose a payment.
Data minimisation by default
Where presence confirmation is enough, Yes/No Aadhaar authentication returns no demographic payload at all — smaller data footprint, smaller obligation.
What you can ship
- Onboard a customer with paperless, UIDAI-grade KYC in a single flow
- Pull consented bank statements via Account Aggregator for underwriting
- Collect and settle payments over UPI with real-time confirmation
Integrations for Banking & Financial Services
- Aadhaar e-KYCReady to shipPaperless identity verification against the UIDAI database via OTP or biometric authentication. Licensed AUA/KUA access.
- PAN VerificationReady to shipValidate a PAN against the Income Tax department and retrieve holder name + status in real time.
- Central KYC (CKYC)Ready to shipSearch and download a citizen's KYC record from the Central KYC Registry using the 14-digit CKYC identifier.
- Account AggregatorReady to shipConsent-driven financial data sharing across banks via the RBI Account Aggregator framework. FIU-grade integration.
- IFSC / Bank LookupReady to shipResolve any Indian bank branch from an IFSC code — used for payouts, onboarding and validation.
- UPI Collect & PayReady to shipInitiate UPI collect requests, validate VPAs and reconcile payments through our PSP-grade integration.
- Aadhaar eSignReady to shipApply legally-valid digital signatures to documents using Aadhaar OTP — fully paperless contract execution.
- EPFO / UANReady to shipVerify a Universal Account Number and retrieve verified employment history for income and KYC checks.
Banking & Financial Services API integration — FAQs
Can these integrations run inside our own infrastructure?
Yes. Regulated customers commonly deploy the connector layer inside their own VPC so customer data never leaves their perimeter, with Aeologic supplying the certified adapters and ongoing scheme-change maintenance.
How does CKYC reduce onboarding drop-off?
Where a customer already has a CKYC record, you retrieve it instead of collecting documents again. Document collection is the step customers abandon at, so removing it for already-known customers is the single largest available conversion gain.
What audit trail do we get?
Every licensed call is logged with the metadata the relevant scheme requires — consent artefact references for AA, authentication references for Aadhaar — without retaining the personally identifiable payload itself.
Other industries we integrate for
Ready-made solution bundles
Build for Banking & Financial Services in days
Tell us your stack and we'll wire up the Banking & Financial Services API integration your team needs.
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