KYC and Onboarding

At Falcon, KYC and Onboarding are the first and most critical processes for businesses and their users.
Through a modular, API-first approach, we enable fintechs, banks, NBFCs, and aggregators to launch compliant and scalable onboarding experiences.

✨ Key Highlights

Support for multiple KYC modes (Minimum KYC, Full KYC, Video KYC, CKYC, Aadhaar eKYC)
Fast, reliable verification through no-code or API integrations
Dynamic onboarding journeys based on user profiles
Compliance with local and global regulatory standards

With Falcon, businesses minimize onboarding time while maximizing customer trust and regulatory compliance.

🌉 Falcon KYC Bridge

The Falcon KYC Bridge is a powerful orchestration layer designed to simplify and streamline identity verification across all business segments.

Core Capabilities:

Unified KYC APIs for initiating, tracking, and verifying user identity
Dynamic flow configuration for different risk profiles or product lines
Real-time callbacks for status updates and success/failure insights
Seamless upgrades from minimum KYC to full KYC
Multi-source verification, including government databases, biometric services, and document scanning providers

Businesses can integrate Falcon KYC Bridge easily with their apps or use our low-code options to go live faster.

🪪 Types of KYC

Falcon offers a wide range of KYC methods for different business needs and regulatory requirements:

KYC Type	Description	Ideal For
Minimum KYC	Basic information capture with limited financial limits. Key points: Ower limits No withdrawals Shorter validity (24 months)	Wallets and low-value credit cards
Full KYC	Detailed document and identity verification, including address proof. Key points: higher limits, withdrawals being allowed, and extended validity Higher limits Withdrawals are allowed Extended validity	Credit cards, lending, and high-value products
Video KYC	Real-time agent-assisted verification via video call	Remote users, retail banking customers
CKYC (Central KYC)	Retrieval of verified KYC from central repositories	Speedy onboarding for previously verified users
Aadhaar eKYC	Instant, paperless authentication using Aadhaar OTP or biometric data	Instant account opening and card issuance

🔄 Onboarding Flow

Below is the Falcon's onboarding flow:

User Registration: Collect essential user data through a form or an application input.
KYC Initiation: Choose and initiate appropriate KYC flow based on user risk and product requirements.
Verification: Verify documents, perform biometric checks, and validate identity with external databases.
Real-Time Decisioning:
1. Successful Verification: Activate an account and issue a card.
2. Verification Failure: Prompt user for additional documentation or remediation.
Maintenance: Set up re-KYC workflows, regular document refreshes, and fraud detection initiations.

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