KYC onboarding, parsed and screened
The agent reads the identity and address documents, normalises the fields, validates them against your onboarding policy, and screens the applicant against sanction and PEP watchlists. It returns a cited clear / refer / reject decision; your analysts review the doubtful cases with the agent’s findings already laid out.
What it handles
Document parsing
Extracts and normalises fields from identity and address proofs, including multilingual and lower-quality scans, flagging illegible inputs rather than guessing.
Policy validation
Checks validity, name and address consistency, and age rules against your written onboarding policy — each check linked to the clause behind it.
Watchlist screening
Screens against sanction and PEP lists; a potential match is escalated with the matched record cited, never silently cleared.
Decision record
One immutable, cited record per applicant — the evidence an examiner or internal audit would ask for, produced as a by-product.
KYC onboarding FAQ
What does the agent actually check?
It parses the submitted identity and address documents, extracts and normalises the fields, validates them against your onboarding policy (document validity, name match, age and address rules), and screens the applicant against sanction and PEP watchlists. It returns clear / refer / reject with the policy clause and data point behind each.
Does this replace our KYC analysts?
No. It clears the clean, well-documented applicants and concentrates analysts on the cases that genuinely need judgement — mismatches, poor-quality scans, watchlist hits. Each escalated case arrives with the agent’s findings and citations attached.
How does it fit CKYC and existing onboarding systems?
Vihaya plugs into your onboarding stack as a decisioning service; your system of record stays the system of record. CKYC registry submission and downstream flows are unchanged — the agent produces the decision and the evidence, not a parallel database.
Is the decision auditable for RBI?
Each onboarding decision writes an immutable record linking the documents read, the policy clauses applied, the watchlist checks run, and any human override. The audit chain is designed for examiner reconstructability; final defensibility is the regulated entity’s determination, and no RBI examination of a Vihaya deployment has occurred.
Want to see this in your environment?
30-minute discovery call. We follow up with a draft SOW shortly after.
Talk to us about a pilot