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Verification workflows

Verify the applicant in front of you.

Switch between individual and business workflows to see how identity, registration and banking checks can be organised around the lending journey.

Individual verification

Build the identity workflow your lending journey requires.

Coordinate identity, document, face and account checks in a connected borrower verification sequence.

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 lending journey.

Response previewIndividuals workflow
Illustrative schema

workflow.typeindividuals

response.field_1Identity details

response.field_2Document match

response.field_3Verification status

response.field_4Review reason

workflow.next_stepLending process

Service scope and provider availability are confirmed during solution design.

Connected workflow

From verification request to lending decision context.

Keep provider-specific checks behind an orchestration layer and return structured verification context to the lending workflow.

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

Unified Response

Provider outputs are organised into consistent workflow states.

Step 06

Lending Workflow

Verification context moves into the next lending step.

Request and response mapping Central workflow context Configured next step
Verification infrastructure

Make verification easier to operate across products.

Create a consistent control layer between lending journeys and the verification services they depend on.

01

Single Integration Layer

Connect verification services through one governed layer within the lending stack.

02

Normalized Responses

Organise provider-specific outputs into consistent fields and workflow states.

03

Workflow Orchestration

Coordinate verification steps, dependencies and outcomes in a defined sequence.

04

Centralized Logs

Keep request, response and processing context available for operational review.

05

Faster Onboarding

Reduce repeated integration and manual hand-offs across verification journeys.

06

Configurable Verification Sequence

Arrange supported checks around the product, applicant and workflow in scope.

Use cases

One verification foundation across lending channels.

Apply the right configured verification sequence to direct, partner and business onboarding journeys.

Lender onboarding

SubjectBorrower or business

VerificationProduct-specific checks

Workflow outputStructured onboarding record

LSP borrower onboarding

SubjectDigital applicant

VerificationConfigured verification sequence

Workflow outputLender-ready context

DSA customer verification

SubjectSourced customer

VerificationIdentity and document checks

Workflow outputOrganised customer record

Merchant verification

SubjectMerchant or proprietor

VerificationBusiness and banking checks

Workflow outputStructured merchant profile

Business loan onboarding

SubjectBusiness applicant

VerificationEntity and director checks

Workflow outputConnected KYB context