Frequently Asked Questions (FAQs)
Can I use Aadhaar based eKYC and Authentication?
Supreme Court in its Aadhaar Verdict , dated 26th September’ 2018 ruled out use of Aadhaar based eKYC and Authentication by private companies.
As a result no private company can use eKYC and Auth. However, Banks and Telcos can use eKYC and Auth as they are covered under PMLA and Telegraph Act respectively.
What are the alternatives available to do digital KYC after the SC Verdict on Aadhaar?
Private companies can rely on UIDAI’s offline Aadhaar KYC or video based KYC, which works with both Aadhaar and other OVDs (Originally Verified Documents) including DL, PAN, Voter ID or Passport.
You can learn more about these here: KYC Video Id
You can also look at the circular regarding the use Offline Aadhaar in the link below: UIDAI circular on Offline Aadhaar
What are the guidelines issued by UIDAI / RBI for offline KYC and Video ID KYC?
UIDAI has come out in full support for Offline KYC. A customer can directly shares his Aadhaar data with a company, provided the company asks for exclusive consent from the customer in question.
In Video based KYC, a video declaration is taken from the customer allowing companies to take demographic data for KYC/authentication purposes.
While IRDA and UIDAI have issued guidelines/circulars regarding Offline Aadhaar as a KYC. RBI is yet to confirm or deny the same with respect to financial institutions under its foray.
What is Veri5 Digital KYC Video ID solution? How does it help me automate onboarding?
KYC Video ID is a high assurance KYC solution which authenticates a user on the basis of face biometrics in addition to verified agent based verification of the KYC data via an agent dashboard.
KYC Video ID works with Offline Aadhaar along with PAN, DL and Passport. Any of which can be used to verify and authenticate customer. When combined with video based face match function, KYC Video ID gives a foolproof way of authenticating user IDs.
Learn more about KYC Video Id.
How does Veri5 Digital measure the success of its KYC Video ID Service?
We measure the success of our service in terms of rejection rates. We measure –
False Acceptance Rates (FARs) – which means Person ‘A’ getting through as Person ‘B’ and False Rejection Rates (FRRs) – which means Person ’A’ not getting through as Person ‘A’.
Face Match algorithm is trained on more than 1 billion faces and images which gives our algorithm an accuracy of 99.84%, which is highest in the works as of now.
How do I avail Veri5Digital services?
What are the different platforms supported by Veri5Digital ?
KYC Video ID can be integrated into both mobile and web platforms. The SDKs and API available are platform agnostic and can be integrated in to any application irrespective of the platform or technology behind it
How much do Veri5Digital services cost?
Pricing depends on the services you choose to avail. We follow a per transaction pricing model which allows you the flexibility to pay as you grow.
Please contact our sales team at 080 46809349 for more details or drop us an email at firstname.lastname@example.org
Can I test Veri5Digital services before committing?
Can the solution be customized according to my needs?
How KYC Aadhaar is similar to other identity documents?
Is Veri5Digital services prepaid or postpaid?
How much time would it take to integrate your SDKs into our app?
What is the ETR if any issue occurs?
Do you provide any dashboard to monitor transactions?
What is the service uptime?
What is an Aadhaar Authentication transaction?
The Aadhaar Authentication or Auth transaction is similar to userid and password being used while logging into say gmail. It is a person’s way of proving who she or he is. The Aadhaar Authentication API only returns a YES/NO response for a verification request.
Aadhaar Auths come in 3 flavours:
- Biometric Authentication – Uses the resident’s fingerprint or iris along with the Aadhaar number to verifying the person’s identity.
- Demographic Authentication – Uses the resident’s Aadhaar number and demographic details such as Name, Address, Gender or Date-of-Birth to verify the person’s identity.
- OTP Authentication – Uses the resident’s Aadhaar number and a One Time Password (OTP) sent to the resident’s registered mobile number to verify the person’s identity.
How does one implement Aadhaar biometric Auth?
The UIDAI provides for both fingerprint and iris biometric authentication. The UIDAI has also recommended standards for fingerprint and iris sensors that can be used for Auth. User agencies need to procure STQC Compliant sensors in order to use the Aadhaar online services.
What are the list of biometric sensors supported by Veri5Digital?
What are the different environments made available?
There are the following:
- Production environment
Pre-production environment is provided by UIDAI with real Aadhaar IDs. It is meant to do pre-production testing not to perform production transactions. It is to be used only for non-commercial testing and demos. It is less stable than the production environment.
Production environment is the live environment which supports commercial transactions in a live production mode.
My product is ready to go live. How can I access the Production environment?
Great! I want to register for the Aadhaar services. Now what?
Please complete the sign up form with the correct details of your Organisation. The email id signed up with, can’t be changed later.
Once you have signed up with us, we will e-mail you instructions and list of requisite documents for UIDAI approval.
Please note: Incomplete or inadequate sign up forms will be rejected.
Does my Sub-AUA application need approval from UIDAI?
Sub-AUA is allowed to do only Yes/No Authentication.
After you courier us the Sub-AUA Application with complete documents, Aadhaar Bridge will conduct due diligence on your application. On clearing the due diligence, we will forward your applciation to UIDAI, New Delhi for Sub-AUA approval.
Subject to UIDAI approval, you will have to Submit us Sub-AUA Agreement and make payment to start using our services.
How do I execute the Veri5Digital Agreement?
You can sign the agreement either:
online with a Digital Signature. Or;
offline by taking a print out of the document.
Where the agreement is signed offline with a wet signature, scan and send a copy of the agreement to
Mail us the hard copy to :
Khosla Labs Private Limited
#18/2A, GRS Towers,
2nd floor, Opp SpringFields Apartments,
Sarjapur Road, Bangalore – 560102
After your agreement has been successfully uploaded, you will receive a link to the payment step.
How do I make payments to Veri5Digital ?
Upon registration, you will now be redirected to the payment gateway to make your payment online.
Your onboarding process is now complete!
What are Khosla Labs Bank account details for NEFT/RTGS?
What is an eSign?
What are the provisions of law related to eSign?
How does eSign help?
How to validate an eSign?
To validate an eSign, please follow these steps:
- Download the document and open it with Adobe Reader.
- Click on Signature Panel at the top or the eSign appearance.
- When ‘Signature Validation Status’ opens, click ‘Signature Properties’.
- In ‘Signature Properties’ window, click ‘Show Signer’s Certificate’.
- You will be redirected to ‘Certificate Viewer’ window. Click the tab named ‘Trust’.
- Click ‘Add to Trusted Certificates’. Click ‘OK’ in the pop-up that follows.
- You will next see ‘Import Contact Settings’ window. Check (Tick) the boxes provided before Certified documents and the three other options that follow it. And click ‘OK’ to continue.
- You will be redirected to ‘Certificate Viewer’ window, click OK at the bottom.
- Click ‘Validate Signature’ in Signature Properties window. And then click ‘Close’.
- Now your eSign is complete. Your eSign will have a Green Tick mark which means it is legally valid.
Which documents cannot be signed using eSign?
The provisions of the IT Act, 2000, prohibits using eSign for the following documents:
- a negotiable instrument as defined in section 13 of the Negotiable Instruments Act, 1881.
- a power-of-attorney as defined in section 1A of the Powers-of-Attorney Act, 1882.
- a trust as defined in section 3 of the Indian Trusts Act, 1882.
- a will as defined in clause (h) of section 2 of the Indian Succession Act, 1925, including any other testamentary disposition by whatever name called.
- any contract for the sale or conveyance of immovable property or any interest in such property.
- any such class of documents or transactions as may be notified by the Central Government in the Official Gazette.