eKYC for stock brokers · everything simulated
Open a trading account
in five steps.
DigiLocker fills the forms. UPI proves the bank. One selfie clears IPV. Equity is live before the coffee cools — everything slow happens after, never in the way.
built on rails India already trusts
How it works
Reuse what exists. Ask for nothing twice.
Three ideas carry the whole flow — and they're why it finishes in minutes, not days.
Zero typing
Identity, address, photo and date of birth arrive issuer-verified from DigiLocker. You confirm — you never type.
One-tap bank proof
A ₹1 UPI collect, refunded instantly. The bank returns the account holder's name, matched against PAN and Aadhaar on the spot.
Never blocked
Income proof for derivatives and back-office review run after activation. The equity account goes live the moment you sign.
The journey
Five steps. Nothing typed twice.
The same rail you'll see inside the product — under eight minutes first time, about ninety seconds if your KYC already exists.
Start & KYC lookup
step 01 · 60sMobile + email OTPs, PAN + DOB. KRA and CKYC queried in parallel.
Identity & profile
step 02 · 60sDigiLocker auto-fills everything. Three quick choices after.
Bank in one tap
step 03 · instant₹1 UPI collect, auto-refunded. Name matched instantly.
Live selfie
step 04 · 30sLiveness, geo-tag, face-match to Aadhaar. One capture.
Review & sign
step 05 · 60sSegments, nominee and eSign on a single screen. Then live.
Why it matters
The 10-minute form was never the problem.
Brokers advertise minutes and deliver days. The difference is everything that happens after the form.
the industry today
- 24–48 hours to a funded, tradeable account
- KYC re-collected at every new broker
- Derivatives stall the whole application
- Fraud checks run in nightly batches
with origin
- Equity live in under eight minutes
- Existing KRA records reused — ~90 seconds
- Income proof collected async, never blocking
- De-duplication and fraud checks on the write path
5
steps, down from seven
< 8 min
first-time target
~90 s
returning · KRA-validated
Every screen
One flow. Web and mobile.
Same record, same state, different chrome — pick whichever suits the moment.
Security & compliance
Compliance-first, by construction.
The regulated obligations aren't bolted on at the end — the flow is shaped around them.
DPDP-first consent
Purpose notice up front, minimum data collected, every fetch behind an explicit allow.
Aadhaar masked on receipt
Only the last four digits ever stored or shown. No raw Aadhaar number at rest.
In-India storage
Single-tenant, region-isolated record keeping — modeled in the demo's copy and flow.
No raw biometrics
Face-match works on embeddings; in this demo the camera never leaves your device at all.
Nominee capture is mandatory in-flow, and the F&O income-proof obligation runs after activation — modeled inline, never as blockers.
FAQ
Quick answers.
Is any of this real?
No — it's a sandbox. Every integration (KRA lookup, DigiLocker, UPI, eSign) is simulated with staged progress. No network calls, no real PII, nothing leaves your browser.
Does the selfie step upload my camera feed?
Never. The camera renders locally for the in-person-verification simulation; the capture stays on your device and is discarded when you leave the page.
What's the fast path?
Switch the demo persona to “returning · validated” in the progress rail before the KYC lookup. The flow finds a portable KRA-validated record and pre-fills identity and profile — about ninety seconds end to end.
Can I see the mobile experience on desktop?
Yes — inside the wizard, use the Web | Mobile toggle in the top-right. Mobile renders the full flow in a phone frame as its own fresh session.
Walk it end to end.
Ninety seconds if you've done KYC before. Under eight minutes if you haven't.
no signup · no data leaves your browser