Product
One verification layer for every lending journey.
Verify individuals and businesses through connected identity, business and financial verification workflows that return a single, normalised response.
Configured checks
Unified response
identity.name : normalised field
document.match : normalised field
review.reason : normalised field
Problem
Verification logic ends up scattered across the lending journey.
Each provider has its own request shape, response format and failure behaviour. Without a shared layer, that variation is absorbed by the application code and by operations teams.
Lifecycle
Where verification sits in the lending lifecycle.
Acquire, verify, assess, decide, disburse, service and collect run against one application record. The highlighted stages are the ones this product operates in.
- 01
Acquire
Capture enquiry
- 02
Verify
PAN / Aadhaar / CKYC
- 03
Assess
—
- 04
Decide
—
- 05
Disburse
—
- 06
Service
—
- 07
Collect
—
Capabilities
Workflows for individuals and businesses.
PAN
Structure PAN details and validation results within the customer record.
Aadhaar
Place supported Aadhaar-based verification steps within the consented journey.
CKYC
Coordinate CKYC search or retrieval inputs where included in the workflow.
Face Verification
Connect supported face-verification results to the identity workflow.
OCR
Extract and structure supported identity-document fields for review.
Bank Account Verification
Carry supported account-verification results into the journey.
Workflow
How a verification request moves.
- Step 01
Customer
Individual or business enters the configured journey.
- Step 02
Verification request
The workflow sends the required verification context.
- Step 03
Xcelet verification layer
The sequence and service mapping are orchestrated centrally.
- Step 04
Verification providers
Configured provider services execute the requested checks.
- Step 05
Normalised response
Results return in one consistent field structure.
- Step 06
Lending process
The verified record continues into the lending workflow.
Use cases
Onboarding for personal, business and merchant lending.
The same layer serves borrower onboarding, partner onboarding and business-loan due diligence, with a different check sequence for each.
Integration
What connects to it.
- Identity and verification service providers
- Bank account verification services
- Business registry and tax data sources
- Xcelet Lending Platform and partner journeys
- Your own front end, through the Integration Gateway
Provider availability depends on the agreed implementation scope.
Next step
Define the verification sequence your product needs.
Tell us which checks your journey requires today and we will map them into one workflow.
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