Teenva AI & Digital Ventures builds AI KYC verification flows for neobanks, NBFCs, payment apps, and investment platforms from Bangalore, India. Customers capture ID documents and selfie liveness on web or mobile app—Teenva extracts fields with OCR, validates authenticity signals, matches face to photo ID, and routes edge cases to a human review queue integrated with your custom onboarding stack.
Capture, extract, verify, approve—web and mobile SDK with analyst review and audit trail. Manual KYC backlogs slow activation; automated IDV cuts time-to-verify from days to minutes.
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AI KYC verification—OCR, liveness, face match, and review workflows for digital onboarding.
KYC steps we automate
| Step | What AI does | Output |
|---|---|---|
| Document capture | Guided camera UX—PAN, Aadhaar, passport, DL, utility bill (scoped) | Front/back images, quality score |
| OCR extraction | Name, DOB, ID number, address fields | Structured JSON + confidence |
| Document checks | Tamper hints, expiry, format validation | Pass/fail + reason codes |
| Liveness | Passive/active liveness—anti-spoof | Live person confirmed |
| Face match | Selfie vs ID photo | Similarity score |
| Data match | User-entered name/DOB vs OCR | Mismatch flag |
| Decision | Auto-approve, reject, or manual review | Webhook to your core |
| Re-KYC (scoped) | Periodic refresh for regulated entities | Updated verification record |
Workflow is computer vision + rules—not a chatbot guessing identity.
Feeds risk signals into AI fraud detection and credit risk analysis. Hub: AI solutions.
Document & market coverage
| Region / doc | Support level |
|---|---|
| India — PAN | OCR + format validation |
| India — Aadhaar | Masked capture, QR/XML parse (scoped), vault-friendly storage patterns |
| India — DL, voter ID | OCR + manual review fallback |
| Passport | MRZ read, expiry check |
| Proof of address | Utility bill, bank statement OCR (scoped) |
| Video KYC (VKYC) | Agent-led or async video with liveness (scoped) |
| DigiLocker / CKYC (scoped) | Fetch via regulated APIs where licensed |
Exact document list and regulator alignment scoped in discovery—Teenva implements tech; your compliance owns policy sign-off.
Features we implement
Web & mobile SDK
Drop-in capture UI with blur/glare detection hintsOCR engine
Custom models + vendor adapters (scoped) for Indian IDsLiveness API
Spoof resistance (print, screen replay)Face match API
Threshold tuning per document typeReview console
Analyst sees doc images, scores, approve/reject/request redoCase audit trail
Who decided, when, on what evidenceWebhook events
kyc.submitted, kyc.approved, kyc.needs_reviewRisk hooks
Export features to fraud detection (device, velocity, duplicate ID hash)PII vault pattern
Encrypted storage, retention TTL, access logsMultilingual UX
English, Hindi, etc. (scoped) for capture instructions
Architecture
User app (web / mobile SDK) uploads document + selfie over TLS
OCR → field extraction + validation rules
Liveness + face match models
Decision engine—auto / review / reject
Review console (human) + webhook to core banking / CRM
Encrypted archive + audit log (retention per policy)
No public LLM on raw ID images—vision models in your controlled environment
Optional API integration to CKYC bureau or AML lists (scoped)
Use cases by business type
| Business | KYC need |
|---|---|
| Neobank / wallet | Min KYC / full KYC tiering by transaction limit |
| NBFC / lending | PAN + address + bureau pull trigger after IDV |
| Investment / broking (scoped) | Regulator-mandated ID + IPV patterns |
| Payment aggregator merchants | Seller KYB + authorized signatory KYC (scoped) |
| Crypto / fintech (scoped) | Enhanced due diligence workflows |
| Employer / gig payouts (scoped) | Worker identity before first payout |
Integrations
| System | Role |
|---|---|
| Custom software / core | Customer record, account activation |
| Mobile app | Native camera capture SDK |
| Zoho CRM | Sales-led onboarding cases (scoped) |
| API integration services | Bureau, CKYC, sanctions (scoped) |
| Fraud detection | Post-onboarding transaction scoring |
OCR alone is not KYC. We deliver liveness, face match, review UI, and audit logs—so auto-approvals are defensible and rejects are explainable.
KYC vs other fintech AI
| Product | Focus |
|---|---|
| AI KYC verification (this page) | Identity proof at onboarding—docs + liveness |
| AI fraud detection | Transaction and account event scoring after signup |
| AI credit risk analysis | Loan default probability |
| Financial advisory chatbot | Product Q&A for customers |
| Transaction categorization AI | PFM merchant labels |
Typical flow: KYC → account live → fraud score on payments → credit model at borrow.
Why Teenva AI
Onboarding UX + ML
Mobile capture and backend in one teamIndia ID reality
PAN/Aadhaar glare, partial masks, regional doc typesAnalyst workflow
Not black-box auto-reject; human-in-the-loop built inSecurity by design
Encryption, least-privilege, regional hosting (scoped)Ops
Managed IT support when SDK or API versions ship
Our delivery process
Discovery
Regulator tier, doc types, volumes, auto-approve appetite
Policy mapping
Required fields, retention, reject reasons
SDK UX
Capture flow wireframes; mobile vs web priority
OCR + validation
Train/tune on sample doc set (anonymized)
Liveness + face match
Threshold calibration on holdout set
Review console
Analyst roles, SLA queues
Core integration
Webhooks, account state machine
Pilot
Shadow mode vs manual baseline
Launch + monitor
Auto-approve rate, redo rate, fraud feedback loop
Frequently asked questions
Teenva builds technology; regulatory registration and policy compliance remain your responsibility—we align build to your legal review.
We implement vault and masking patterns you specify; often only last-four or reference tokens stored post-verification.
- We build custom or integrate vendors via API services—hybrid common for niche doc types.
Supported (scoped)—agent dashboard, recording retention, RBI VKYC patterns where applicable.
No—ID processing uses dedicated vision/OCR pipelines, not public LLM APIs on document images.
Capture UX guides retake; grey scores go to manual review, not hard reject.
- Hashed ID fingerprint feeds fraud detection duplicate account rules.
Progressive upload, compressed images, resume session (scoped).
10–12 weeks MVP (PAN + selfie liveness + review console) with mobile or web SDK.
- New doc formats and fraud spoofs—retrain cadence and monitoring in managed support (optional).
Build your AI KYC verification flow
Document OCR, liveness, face match, and analyst review—for neobanks, lending, and fintech onboarding.
Build your AI solution with us
Ready to take your business to the next level?