RBI's Master Direction on KYC (2016, as amended) and PMLA require comprehensive CDD at volumes that break manual processes. FlowAI handles Aadhaar/PAN/DigiLocker document extraction, OFAC and UN sanctions screening, and delivers APPROVE/ESCALATE/REJECT at 100K+ reviews/month — with per-decision audit records that satisfy RBI inspections.
RBI's Master Direction (updated through 2023) requires Customer Due Diligence (CDD), Enhanced Due Diligence (EDD) for high-risk customers, and Simplified Due Diligence for low-risk small-value accounts. PMLA (Prevention of Money Laundering Act) imposes reporting obligations to FIU-IND. FlowAI's three-tier triage maps directly — APPROVE/ESCALATE/REJECT corresponds to simplified, standard, and enhanced CDD tiers.
India's digital identity stack — Aadhaar (biometric ID), PAN (tax ID), and DigiLocker (document vault) — is the primary KYC source for RBI-regulated entities. FlowAI extracts and validates PAN card data, processes Aadhaar-masked documents per UIDAI guidelines, and accepts DigiLocker-issued documents as high-confidence inputs.
PMLA requires Suspicious Transaction Reports (STRs) to the Financial Intelligence Unit — India (FIU-IND). FlowAI's ESCALATE decisions include structured risk factors that feed directly into STR workflows. OFAC and UN screening runs on all applicants — critical for Indian fintechs processing cross-border remittances or serving NRI customers.
Run an Indian applicant scenario — PAN/Aadhaar document type, OFAC + UN screening, RBI-aligned risk scoring.
Pick a scenario. Hit run. See exactly what the agent decides — and why.
| Provider | Cost per review | Monthly cost (100K) | Annual cost |
|---|---|---|---|
| Manual compliance team (India) | ₹80–150 (~$0.95–1.80) | $95,000–180,000 | $1.14M–2.16M |
| Signzy | ₹30–80 (~$0.36–0.96) | $36,000–96,000 | $432K–1.15M |
| IDfy (India local) | ₹25–70 (~$0.30–0.84) | $30,000–84,000 | $360K–1.01M |
| Jumio | $3.00–5.00 | $300,000–500,000 | $3.6M–6.0M |
| Persona | $2.00–4.00 | $200,000–400,000 | $2.4M–4.8M |
| Sardine | $1.50–3.00 | $150,000–300,000 | $1.8M–3.6M |
| FlowAI Growth | $0.020 | $1,999/mo flat | $23,988 |
At 100K reviews/month, FlowAI is 97%+ cheaper than Indian-local KYC providers, 99%+ cheaper than global platforms.
RBI permits Aadhaar-based eKYC via UIDAI's authenticated OTP or biometric route for regulated entities with specific RBI approval. FlowAI processes Aadhaar document images (masked per UIDAI requirement) for non-Aadhaar-eKYC purposes. For full Aadhaar OTP/biometric eKYC, FlowAI integrates downstream of your UIDAI-licensed eKYC provider — FlowAI handles the AML screening and risk scoring post-verification.
Yes. FlowAI's Growth plan handles 5,000+ triage calls/month; Scale handles enterprise volume (100K+/mo). Indian fintech volume is typically the highest use case in our customer base. The API is designed for synchronous calls during user onboarding — 3-second p50 latency means your onboarding UX doesn't stall even at peak volume.
RBI's V-CIP guidelines permit video-based KYC for account opening in lieu of in-person verification. Similar to Germany's VideoIdent, FlowAI complements V-CIP providers — you run the video session for identity capture, FlowAI handles AML screening, risk scoring, and audit trail after the capture is complete. FlowAI doesn't replace an RBI-approved V-CIP solution but integrates directly via API.
Founding 10 locks $249/mo. Growth handles 100K+ reviews/month at $1,999/mo.
Also: Free sandbox · Nigeria KYC · See all plans · Security & Trust