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Koshio

One API platform for identity, risk and financial intelligence

Verify people and businesses. Detect fraud. Understand financial behaviour. Build faster with production-ready APIs designed for modern financial products.

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  • Simple REST APIs
  • Sandbox environment
  • Enterprise-ready
Verify a new customerSample · synthetic data
PANABCDE1234FVerified
  • PAN is active
  • Name matches the application
  • Date of birth matches
Every check gives the same kind of answer.See the API request

Built for teams that can't compromise on trust

  • Banks
  • NBFCs
  • Fintechs
  • Insurers
  • Marketplaces
  • Enterprises

products

Everything you need to make a trusted decision

Identity and KYC

Know who's on the other side.

  • PAN verification
  • Aadhaar verification
  • CKYC
  • DigiLocker
  • Face match and liveness
  • Bank-account verification

Business and KYB

Know who you're doing business with.

  • GSTIN verification
  • CIN and MCA data
  • Udyam verification
  • Director and DIN checks
  • PAN-to-GSTIN discovery
  • UBO and AML checks

Fraud and risk

Spot risk before it becomes a loss.

  • Document fraud
  • Device intelligence
  • Deepfake detection
  • AML and sanctions
  • Bank-statement fraud
  • Adverse media

Financial intelligence

Turn financial data into decisions.

  • Bank-statement analysis
  • Income verification
  • Cash-flow analysis
  • GST turnover analysis
  • Financial-statement analysis
  • Credit-bureau reports

platform

From API call to decision

  1. Your customer applies

    A person or business shares their details with you.

  2. Koshio verifies

    Our APIs check each detail you send.

  3. Signals combine

    Every result comes back in one response.

    • Identity
    • Business
    • Finance
    • Fraud
    • AML
    • Risk

  4. You decide

    Your team makes the call with the full picture.

    • Approve
    • Review
    • Decline

One integration. Multiple signals. Better decisions.

Koshio brings the signals together in one response, so your team decides with the full picture instead of a pile of separate checks.

developers

Built for developers. Ready for enterprise.

  • RESTful APIs

    Simple, predictable APIs built for quick integration.

  • Sandbox

    Test your entire workflow before going live.

  • Clear documentation

    Examples, response schemas and integration guides.

  • Webhooks

    Get asynchronous updates without constant polling.

  • Monitoring

    Track API requests, responses and usage from one console.

  • Enterprise security

    Secure infrastructure with auditability and access controls.

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use cases

Build a complete workflow, not just an API call

Lending onboarding

  1. PAN
  2. Aadhaar
  3. Face match
  4. Bank account
  5. Bank statement
  6. Fraud
  7. Decision

Merchant onboarding

  1. Business PAN
  2. GST
  3. CIN
  4. Directors
  5. UBO
  6. AML
  7. Bank account

Customer onboarding

  1. PAN
  2. DigiLocker
  3. CKYC
  4. Face match
  5. AML
  6. Account verification
Build your workflow

Infrastructure you can build on

The numbers your risk and engineering teams ask about first.

Platform uptime
Up to 99.9%
Across every API on the platform.
Response time
Up to 1s
Most checks answer while your customer is still on the form.
APIs on one platform
100+
Identity, business, fraud and financial checks.
States and union territories
36
Coverage across all of India.

resources

From the blog

Guides to identity, business and financial checks in India.

  • identity

    PAN verification for digital lending: what to check and why

    Coming soon
  • financial

    Penny drop or pennyless: choosing a bank-account check

    Coming soon
  • business

    KYB for merchant onboarding: GSTIN, CIN and UBO in one flow

    Coming soon

Start building in minutes

Identity. Risk. Financial intelligence. One platform.
Integrate the APIs you need today. Add more as your business grows.

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